Fintech Insider Podcast by 11:FS

Credit can be a lifeline in times of crisis but the credit risk models banks rely on are simply no longer fit for the realities of today. The pandemic has wreaked havoc on everyone’s finances, apart from the lucky few, and post pandemic the need for credit has never been greater. Simon Taylor is joined by some fantastic guests to discuss how the current system of credit is in dire need of an overaul and how Open Banking can help lenders to provide financial products and services that meet the needs of customers. Joining this week's show we have: Freddy Kelly - CEO, Credit Kudos Paul Harrald - Head of Curve Credit Francesca Carlesi - Co-founder and CEO, Molo Finance This podcast is brought to you by Jack Henry Digital the pioneer and creator of personal digital banking that helps community financial institutions strategically differentiate their digital offerings from those of MegaBanks, BigTechs and FinTechs. This podcast is also brought to you by Pento - the UK’s first automated payroll platform. Say goodbye to clumsy spreadsheets, endless emails with external payroll providers and manual payments. Pento lets you run payroll in just a few clicks. It calculates taxes, integrates with platforms like Xero and makes all the payments and reports to HMRC & pension providers for you. Go to pento.io/insider to run payroll for free for the rest of the year. Banking as a Service is deconstructing the banking stack. It's enabling brands to embed finance more easily, and to tailor financial products to specific customer needs. This is presenting new opportunities for specialised providers and offers banks extra revenue streams. Download our report for a comprehensive, no BS view of what Banking as a Service is and what it means for the industry. Head to bit.ly/bankingasaservice. 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: Francesca Carlesi, Freddy Kelly, and Paul Harrald . Learn more about your ad choices. Visit megaphone.fm/adchoices

Our expert hosts, David Brear and Mel Stringer, 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: Daniel Lanyon - Editor in Chief, Altfi Shaun Puckrin - Chief Product Officer, GPS We cover the following stories from the fintech and financial services space: Google moves into Venmo and bank territory with checking accounts and updated payment app Starling hits profitability for the first time Daylight launches LGBT+ digital banking platform JPMorgan pushes ahead with UK digital bank plans From a UK challenger to a US one: Current snags $131 million in Series C funding The Queen expresses interest in blockchain technology This podcast is brought to you by Jack Henry Digital the pioneer and creator of personal digital banking that helps community financial institutions strategically differentiate their digital offerings from those of MegaBanks, BigTechs and FinTechs. This podcast is also brought to you by Pento - the UK’s first automated payroll platform. Say goodbye to clumsy spreadsheets, endless emails with external payroll providers and manual payments. Pento lets you run payroll in just a few clicks. It calculates taxes, integrates with platforms like Xero and makes all the payments and reports to HMRC & pension providers for you. Go to pento.io/insider to run payroll for free for the rest of the year. Banking as a Service is deconstructing the banking stack. It's enabling brands to embed finance more easily, and to tailor financial products to specific customer needs. This is presenting new opportunities for specialised providers and offers banks extra revenue streams. Download our report for a comprehensive, no BS view of what Banking as a Service is and what it means for the industry. Head to bit.ly/bankingasaservice. 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: Daniel Lanyon and Shaun Puckrin. Learn more about your ad choices. Visit megaphone.fm/adchoices

In the midst of a second national lockdown in England, Adam Davis and guests take a look back at what's happened during and since the last, larger lockdown and the lessons we’ve learned as an industry that can help us going forward. This week's guests include: Jana Lvova - Head of Fintech Europe, Visa Simon Cureton - CEO, Funding Options James Smith - Director of Digital, Nationwide Building Society This podcast is brought to you by Jack Henry Digital the pioneer and creator of personal digital banking that helps community financial institutions strategically differentiate their digital offerings from those of MegaBanks, BigTechs and FinTechs. This podcast is also brought to you by Pento - the UK’s first automated payroll platform. Say goodbye to clumsy spreadsheets, endless emails with external payroll providers and manual payments. Pento lets you run payroll in just a few clicks. It calculates taxes, integrates with platforms like Xero and makes all the payments and reports to HMRC & pension providers for you. Go to pento.io/insider to run payroll for free for the rest of the year. Banking as a Service is deconstructing the banking stack. It's enabling brands to embed finance more easily, and to tailor financial products to specific customer needs. This is presenting new opportunities for specialised providers and offers banks extra revenue streams. Download our report for a comprehensive, no BS view of what Banking as a Service is and what it means for the industry. Head to bit.ly/bankingasaservice. 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: James Smith, Jana Lvova , and Simon Cureton.Links: Google moves into Venmo and bank territory with checking accounts and updated payment app Starling hits profitability for the first time Daylight launches LGBT+ digital banking platform JPMorgan pushes ahead with UK digital bank plans From a UK challenger to a US one: Current snags $131 million in Series C funding The Queen expresses interest in blockchain technology Learn more about your ad choices. Visit megaphone.fm/adchoices

Our expert hosts, Sarah Kocianski and Kate Moody, 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: David Jarvis - CEO of Griffin Anna Irrera - Fintech Correspondent, Reuters Ginger Schmeltzer - Senior Analyst, Aite Group We cover the following stories from the fintech and financial services space: Santander buys Wirecard’s core European business for €100m Staying with BaaS: Griffin and Railsbank raise funds, and Marqeta and Uber team up on cards PNC to buy BBVA US Brazil launches instant payments platform; expects WhatsApp to return soon Lanistar is a “first in fintech” according to Forbes, but the FCA warn consumers against using its services Rooster Money predicts what all the kids want for Christmas This podcast is brought to you by Jack Henry Digital the pioneer and creator of personal digital banking that helps community financial institutions strategically differentiate their digital offerings from those of MegaBanks, BigTechs and FinTechs. This podcast is also brought to you by Pento - the UK’s first automated payroll platform. Say goodbye to clumsy spreadsheets, endless emails with external payroll providers and manual payments. Pento lets you run payroll in just a few clicks. It calculates taxes, integrates with platforms like Xero and makes all the payments and reports to HMRC & pension providers for you. Go to pento.io/insider to run payroll for free for the rest of the year. Banking as a Service is deconstructing the banking stack. It's enabling brands to embed finance more easily, and to tailor financial products to specific customer needs. This is presenting new opportunities for specialised providers and offers banks extra revenue streams. Download our report for a comprehensive, no BS view of what Banking as a Service is and what it means for the industry. Head to bit.ly/bankingasaservice. 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: Anna Irrera, David Jarvis, and Ginger Schmeltzer.Links: Santander buys Wirecard’s core European business for €100m Staying with BaaS: Griffin and Railsbank raise funds, and Marqeta and Uber team up on cards PNC to buy BBVA US Brazil launches instant payments platform; expects WhatsApp to return soon Lanistar is a “first in fintech” according to Forbes, but the FCA warn consumers against using its services Rooster Money predicts what all the kids want for Christmas Learn more about your ad choices. Visit megaphone.fm/adchoices

The path to profitability for many fintechs has not been an easy one. Much like disruptive technology and media companies, for the vast majority of challenger banks, their number one objective has been growth and building a loyal customer base, rather than prioritizing making a profit. However, as the UK plunges into the deepest recession on record, challenger banks are under renewed pressure from both inside and outside of the industry to start making a profit. In today’s show, David Brear is joined by some great guests to explore the topic: Adam Davis - Head of Delivery, 11:FS Lianna Brinded - Head of Yahoo Finance UK Alexandra Frean - Head of Corporate Affairs, Starling Tune in for an exploration for why profit has evaded some banks, why it’s such a hot topic in the media and if the goal of profit is even necessary at this stage. This podcast is brought to you by Jack Henry Digital the pioneer and creator of personal digital banking that helps community financial institutions strategically differentiate their digital offerings from those of MegaBanks, BigTechs and FinTechs. This podcast is also brought to you by Pento - the UK’s first automated payroll platform. Say goodbye to clumsy spreadsheets, endless emails with external payroll providers and manual payments. Pento lets you run payroll in just a few clicks. It calculates taxes, integrates with platforms like Xero and makes all the payments and reports to HMRC & pension providers for you. Go to pento.io/insider to run payroll for free for the rest of the year. Banking as a Service is deconstructing the banking stack. It's enabling brands to embed finance more easily, and to tailor financial products to specific customer needs. This is presenting new opportunities for specialised providers and offers banks extra revenue streams. Download our report for a comprehensive, no BS view of what Banking as a Service is and what it means for the industry. Head to bit.ly/bankingasaservice. 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: Adam Davis, Alexandra Frean, and Lianna Brinded. Learn more about your ad choices. Visit megaphone.fm/adchoices

Our expert hosts, Simon Taylor and Adam Davis 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: Babs Ogundeyi - CEO of Kuda Sharon Kimathi - Editor of FinTech Futures Rune Garborg - CEO at Vipps We cover the following stories from the fintech and financial services space: WhatsApp gets approval for payments in India (03:00) Kuda raises $10m to be the mobile first challenger bank for Africa (14:39) HSBC to launch “Transferwise rival” (28:25) Cash payments plummet to just four percent of transactions in Norway as central bank weighs up their options (39:28) US Department of Justice, challenges Visa’s $5.3 billion acquisition of Plaid (49:13) Klarna gets sued by Pablo Escobar’s brother (1:02:10) This podcast is brought to you by Jack Henry Digital the pioneer and creator of personal digital banking that helps community financial institutions strategically differentiate their digital offerings from those of MegaBanks, BigTechs and FinTechs. This podcast is also brought to you by Pento - the UK’s first automated payroll platform. Say goodbye to clumsy spreadsheets, endless emails with external payroll providers and manual payments. Pento lets you run payroll in just a few clicks. It calculates taxes, integrates with platforms like Xero and makes all the payments and reports to HMRC & pension providers for you. Go to pento.io/insider to run payroll for free for the rest of the year. Banking as a Service is deconstructing the banking stack. It's enabling brands to embed finance more easily, and to tailor financial products to specific customer needs. This is presenting new opportunities for specialised providers and offers banks extra revenue streams. Download our report for a comprehensive, no BS view of what Banking as a Service is and what it means for the industry. Head to bit.ly/bankingasaservice. 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: Babs Ogundeyi , Rune Garborg, and Sharon Kimathi.Links: WhatsApp gets approval for payments in India Kuda raises $10m to be the mobile first challenger bank for Africa HSBC to launch “Transferwise rival” Cash payments plummet to just four percent of transactions in Norway as central bank weighs up their options US Department of Justice, challenges Visa’s $5.3 billion acquisition of Plaid Klarna gets sued by Pablo Escobar’s brother- Learn more about your ad choices. Visit megaphone.fm/adchoices

During the pandemic reports of financial and economic abuse have been on the rise. According to the charity Surviving Economic Abuse, 95% of people who experience domestic abuse are also experiencing some form of economic abuse. With many of us now spending the vast majority of our time in our homes, the home can be an even more dangerous place for survivors – and banks now need to step up to deal with the problem. To dive into this topic, Sam Maule is joined by: Natalie Ledward - Vulnerability Manager, Monzo Bank Jane Barratt - Chief Advocacy Officer, MX Dr. Nicola Sharp-Jeffs - Founder And Chief Executive, Surviving Economic Abuse Tune in for a fantastically insightful conversation about how economic abuse functions and the role that financial institutions can play in preventing it. This podcast is brought to you by Jack Henry Digital the pioneer and creator of personal digital banking that helps community financial institutions strategically differentiate their digital offerings from those of MegaBanks, BigTechs and FinTechs. This podcast is also brought to you by Pento - the UK’s first automated payroll platform. Say goodbye to clumsy spreadsheets, endless emails with external payroll providers and manual payments. Pento lets you run payroll in just a few clicks. It calculates taxes, integrates with platforms like Xero and makes all the payments and reports to HMRC & pension providers for you. Go to pento.io/insider to run payroll for free for the rest of the year. Banking as a Service is deconstructing the banking stack. It's enabling brands to embed finance more easily, and to tailor financial products to specific customer needs. This is presenting new opportunities for specialised providers and offers banks extra revenue streams. Download our report for a comprehensive, no BS view of what Banking as a Service is and what it means for the industry. Head to bit.ly/bankingasaservice. 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: Dr. Nicola Sharp-Jeffs, OBE, Jane Barratt, and Natalie Ledward . Learn more about your ad choices. Visit megaphone.fm/adchoices

Our expert hosts, Sam Maule and Sarah Kocianski, 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: Emily Nicolle, Fintech Correspondent, Financial News Mike Douglas, VP Strategy, Galileo We cover the following stories from the fintech and financial services space: This is Goldman’s bet to break into a $32 billion industry serving the world's biggest corporations (03:00) Banks stay bullish despite worsening pandemic (12:04) Ant Group IPO is blocked in Shanghai (23:35) Fast, a Startup Backed by Stripe, Discusses Billion-Dollar Valuation (33:49) Barclays launches accelerator for black-founded tech firms (40:32) Mesut Ozil joins US venture capital firm Class 5 Global (53:41) This podcast is brought to you by Jack Henry Digital the pioneer and creator of personal digital banking that helps community financial institutions strategically differentiate their digital offerings from those of MegaBanks, BigTechs and FinTechs. _ This podcast is also brought to you by Mitek (NASDAQ: MITK). Mitek is a global leader in mobile capture and digital identity verification solutions built on the latest advancements in computer vision, artificial intelligence and machine learning. Mitek’s identity verification solutions enable an enterprise to verify a user’s identity during a digital transaction, which assists businesses operating in highly regulated markets to reduce financial risk and meet regulatory requirements while increasing revenue from digital channels. Financial services, marketplaces and other organizations around the world use Mitek to reduce friction creating the digital experiences their customers expect. Mobile Deposit® and Mobile Verify® are used by millions of consumers for check deposit, new account opening and more. The company is based in San Diego with offices in New York, London, Amsterdam, Barcelona, Paris and St Petersburg. Learn more at www.miteksystems.com. Banking as a Service is deconstructing the banking stack. It's enabling brands to embed finance more easily, and to tailor financial products to specific customer needs. This is presenting new opportunities for specialised providers and offers banks extra revenue streams. Download our report for a comprehensive, no BS view of what Banking as a Service is and what it means for the industry. Head to bit.ly/bankingasaservice. 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: Chris Skinner, Emily Nicolle, and Mike Douglas.Links: This is Goldman’s bet to break into a $32 billion industry serving the world's biggest corporations Banks stay bullish despite worsening pandemic Ant Group IPO is blocked in Shanghai Fast, a Startup Backed by Stripe, Discusses Billion-Dollar Valuation Barclays launches accelerator for black-founded tech firms Mesut Ozil joins US venture capital firm Class 5 Global Learn more about your ad choices. Visit megaphone.fm/adchoices

For many, 2020 has proven to be a year of struggle. Between a pandemic, widespread social unrest and a recession, Black and Latinx communities in the US are amongst those who have been hit the hardest - not just by the country's growing Covid-related death toll, but also in terms of financial loss. In today's episode of the show, we are talking about the US’ racial wealth gap. Differences in income and income losses - like those experienced as a result of the coronavirus lockdowns - is one factor, but that doesn’t tell the full story about why the United States' racial wealth gap is widening. To dig into this topic, Sam is joined today by : Jennifer Tescher - President and CEO, Financial Health Network Yemi Rose - Founder of OfColor Reese Giddins - President and CTO at Greenwood This podcast is brought to you by Jack Henry Digital the pioneer and creator of personal digital banking that helps community financial institutions strategically differentiate their digital offerings from those of MegaBanks, BigTechs and FinTechs. _ This podcast is also brought to you by Mitek (NASDAQ: MITK). Mitek is a global leader in mobile capture and digital identity verification solutions built on the latest advancements in computer vision, artificial intelligence and machine learning. Mitek’s identity verification solutions enable an enterprise to verify a user’s identity during a digital transaction, which assists businesses operating in highly regulated markets to reduce financial risk and meet regulatory requirements while increasing revenue from digital channels. Financial services, marketplaces and other organizations around the world use Mitek to reduce friction creating the digital experiences their customers expect. Mobile Deposit® and Mobile Verify® are used by millions of consumers for check deposit, new account opening and more. The company is based in San Diego with offices in New York, London, Amsterdam, Barcelona, Paris and St Petersburg. Learn more at www.miteksystems.com. Banking as a Service is deconstructing the banking stack. It's enabling brands to embed finance more easily, and to tailor financial products to specific customer needs. This is presenting new opportunities for specialised providers and offers banks extra revenue streams. Download our report for a comprehensive, no BS view of what Banking as a Service is and what it means for the industry. Head to bit.ly/bankingasaservice. 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: Jennifer Tescher, Reese Giddins, and Yemi Rose. Learn more about your ad choices. Visit megaphone.fm/adchoices

Our expert hosts, Ross Gallagher and Simon Taylor, 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: Clare Gambardella - Chief Customer Officer at Zopa Chris Skinner, author, speaker - CEO at the Finanser and fintech guru We cover the following stories from the fintech and financial services space: Ant Group to raise $34.5 billion, valuing it at over $313 billion, in biggest IPO of all time (02:43) PayPal allows cryptocurrency on their platform, and JPMorgan creates new unit for blockchain projects (16:14) Afterpay teams up with Westpac to offer savings account for Australians (28:02) Zopa’s long-awaited credit card is here (38:14) UBS to invest $200 million in fintech startups (49:00) Hand over the trash: raccoons break into California bank (01:05:37) This podcast is brought to you by Jack Henry Digital the pioneer and creator of personal digital banking that helps community financial institutions strategically differentiate their digital offerings from those of MegaBanks, BigTechs and FinTechs. _ This podcast is also brought to you by Mitek (NASDAQ: MITK). Mitek is a global leader in mobile capture and digital identity verification solutions built on the latest advancements in computer vision, artificial intelligence and machine learning. Mitek’s identity verification solutions enable an enterprise to verify a user’s identity during a digital transaction, which assists businesses operating in highly regulated markets to reduce financial risk and meet regulatory requirements while increasing revenue from digital channels. Financial services, marketplaces and other organizations around the world use Mitek to reduce friction creating the digital experiences their customers expect. Mobile Deposit® and Mobile Verify® are used by millions of consumers for check deposit, new account opening and more. The company is based in San Diego with offices in New York, London, Amsterdam, Barcelona, Paris and St Petersburg. Learn more at www.miteksystems.com. Banking as a Service is deconstructing the banking stack. It's enabling brands to embed finance more easily, and to tailor financial products to specific customer needs. This is presenting new opportunities for specialised providers and offers banks extra revenue streams. Download our report for a comprehensive, no BS view of what Banking as a Service is and what it means for the industry. Head to bit.ly/bankingasaservice. 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: Chris Skinner and Clare Gambardella.Links: Ant Group to raise $34.5 billion, valuing it at over $313 billion, in biggest IPO of all time PayPal allows cryptocurrency on their platform, and JPMorgan creates new unit for blockchain projects Afterpay teams up with Westpac to offer savings account for Australians Zopa’s long-awaited credit card is here UBS to invest $200 million in fintech startups Possible finance raises $11M on Zoom and shifts to a fully distributed workforce Experian told to stop sharing data without consent Hand over the trash: raccoons break into California bank Learn more about your ad choices. Visit megaphone.fm/adchoices