

Fintech Insider Podcast by 11:FS
11:FS
Fintech Insider is your ultimate guide to the world of finance and fintech from 11:FS - the leading independent fintech consultancy, recognised five times with the British Bank Award for Consultancy of the Year.Our expert hosts, with real industry experience, are joined by the biggest decision-makers, VCs, and reporters from across financial services including Visa, Monzo, Nationwide, JPMorgan Chase, Wise, the Financial Times, and more to discuss breaking news and deep dive into the biggest topics and trends within the industry.Our weekly news show drops every Monday and tackles the biggest news stories across M&A, open banking, embedded finance, payments, regulation and more. Then, every Thursday our Insights show dives deeper into the hottest topics shaping the industry like AI, regulation, Big Tech, the cost of living crisis, and more. Whether you’re already immersed in the world of financial services, or just keen to learn more, this is the #1 podcast for you.Want to get involved in the conversation?Connect with us now on LinkedIn, Instagram and TikTok
Episodes
Mentioned books

Apr 16, 2021 • 55min
519. Insights: How can you get to market quickly?
Our expert hosts, David Brear and Jason Bates, are joined by some great guests to talk about how you can get to market quickly. What is the next iteration of banking as a service? How can you overcome certain issues and what is a better solution than BaaS? All this and much more. This week's guests include:
Ray Brash, CEO PPS
Tui Allen, Senior Producer Leader, at Shopify
Aadeel Peerally, Director of Product Management at Delivery Hero
Brands looking to embed financial services in their products want to get to market quickly. And they don't want the heavy lift of building finance workflows and managing regulation. 11:FS Foundry is the answer. It's our Financial Services Operating System, that lets you embed finance in weeks, not years. And it gives you pre-built smart features that help you win customers. To find our more and get a demo, head to 11fs.com/foundry today!
This episode is sponsored by Banking Circle
A fully licensed bank focused on payments, Banking Circle gives Financial Institutions and large corporates direct access to clearing in multiple countries, enabling them to deliver global payments faster and more cost-effectively for their customers. Bypass legacy systems, enable global banking services for your customers and grow your business.
Find out more at bankingcircle.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: Aadeel Peerally, Ray Brash, and Tui Allen.
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Apr 12, 2021 • 55min
518. News: Going global - Plaid shake off the Visa breakup with new $13.4bn valuation
Our expert hosts, Adam Davis and Melissa 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:
Keith Grose, Head of Europe, Plaid
Emily Nicolle, Fintech Correspondent, Financial News
We cover the following stories from the fintech and financial services space:
Plaid raised $425 million in a Series D funding round for a global financial data network 51:40
Coinbase Posts Record $1.8 Billion In Revenue As Crypto Market Shoots Past $2 Trillion 13:10
Revolut to launch major US blitz as it targets a million users this year 23:49
Brazilian Central Bank Gives Green Light To WhatsApp Payments as Facebook US tests P2P payments 35:50
Snoop partners with Accepty for 'hyper-personalised' lending tool 43:40
Clubhouse partners with Stripe to let you send money directly to creators by tapping on their profile 45:24
Former banking lobby chief Jones joins shared branches start-up OneBanks 47:30
Coin-Baes: Two Coinbase employees wed by exchanging NFTs 49:34
This episode is sponsored by Banking Circle
A fully licensed bank focused on payments, Banking Circle gives Financial Institutions and large corporates direct access to clearing in multiple countries, enabling them to deliver global payments faster and more cost-effectively for their customers. Bypass legacy systems, enable global banking services for your customers and grow your business.
Find out more at bankingcircle.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: Emily Nicolle and Keith Grose.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Apr 9, 2021 • 42min
517. Insights: How can digital financial service brands build trust?
Our expert host Sarah Kocianski is joined by some great guests to talk about building and maintaining trust in digital financial services. Right now, trust in the FS industry is rising and trust in the tech industry is decreasing — how can we balance the two and create financial products and services that customers trust?
We have published a research report with Mitek on this exact topic and we leant on the framework of that report for today’s discussion to look at 4 areas of focus today: capability, competence, care and purpose when it comes to building trust.
This week's guests include:
Stephen Ritter - Mitek CTO
Andy Moore - Design Director, ANNA Money
Becky Danks - Product Manager at Yapily
To find out more, download the report with Mitek here: http://bit.ly/digitaltrustreport2021
This episode is sponsored by Banking Circle
A fully licensed bank focused on payments, Banking Circle gives Financial Institutions and large corporates direct access to clearing in multiple countries, enabling them to deliver global payments faster and more cost-effectively for their customers. Bypass legacy systems, enable global banking services for your customers and grow your business.
Find out more at bankingcircle.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: Andy Moore, Becky Danks, and Stephen Ritter.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Apr 5, 2021 • 1h 7min
516. News: The CMA blocks Crowdcube and Seedrs’ merger & Feedzai become a financial crime-fighting unicorn
Our expert hosts, Adam Davis and Melissa 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 at Altfi.
Nuno Sebastao - CEO Feedzai
We cover the following stories from the fintech and financial services space:
Regulator applies brakes to Crowdcube and Seedrs merger, we also heard from CEO & co-founder of Crowdcube Darren Westlake to give us their perspective (3:10)
Feedzai achieves Unicorn status on $200 million fund raise (15:03)
Santander UK to close 111 branches and overhaul office space as Nationwide allows employees to “work from anywhere” (29:11)
Stripe invests in Ramp at $1.6 Billion Valuation (37:10)
FS giants join $40m Greenwood funding round (44:08)
US fintech Sincere to target “pet parents” with debit cards (52:47)
This episode is sponsored by Banking Circle
A fully licensed bank focused on payments, Banking Circle gives Financial Institutions and large corporates direct access to clearing in multiple countries, enabling them to deliver global payments faster and more cost-effectively for their customers. Bypass legacy systems, enable global banking services for your customers and grow your business.
Find out more at www.bankingcircle.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: Daniel Lanyon, Darren Westlake, and Nuno Sebastao.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Apr 2, 2021 • 39min
515. Insights: How can Payroll APIs reimagine credit?
Our expert host Simon Taylor is joined by a panel of great guests to talk about payroll APIs. Fintech enablers and infrastructure has been one of the most important catalysts for recent growth in the financial services. In recent months we’ve seen new platforms pop up that give fintechs access to more data, using payroll APIs. But what is it, how does it work and what problems does it really solve?
This week's guests include:
Kurt Lin, Co-Founder & CEO of Pinwheel
Ahmed Siddiqui, VP Product, Branch
Katie Neal, Outreach and advocacy manager, Plaid
This episode is brought to you by Banking Circle.
A fully licensed bank focused on payments, Banking Circle gives Financial Institutions and large corporates direct access to clearing in multiple countries, enabling them to deliver global payments faster and more cost-effectively for their customers. Bypass legacy systems, enable global banking services for your customers and grow your business.
Find out more at bankingcircle.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: Ahmed Siddiqui, Katie Neal, and Kurt Lin.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Mar 29, 2021 • 1h 9min
514. News: Fintechs face the dark side of BaaS & Nigerian challenger Kuda raises $25m
Our expert hosts Adam Davis 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:
Charles McManus, CEO of Clear Bank
Babs Ogundeyi, Founder and CEO of Kuda Bank
We cover the following stories from the fintech and financial services space:
The dark side of BaaS: One third of European fintechs have faced regulatory intervention because of their partner bank 02:31
Nigerian challenger Kuda Bank raises $25m in Series A funding 20:12
OakNorth profits surge to £77.6m despite pandemic 36:22
Comment from Valentina Kristensen, Director of Marketing and Comms at OakNorth 37:29
Freetrade raises £50M 45:25
Zopa raises £20 million after exceeding bank performance targets 53:25
Comment from Jaidev Janardana, CEO of Zopa 54:27
Monty Python gets in on NFTs 01:04:23
This episode is sponsored by Banking Circle
A fully licensed bank focused on payments, Banking Circle gives Financial Institutions and large corporates direct access to clearing in multiple countries, enabling them to deliver global payments faster and more cost-effectively for their customers. Bypass legacy systems, enable global banking services for your customers and grow your business.
Find out more at
LInk: https://www.bankingcircle.com/?utm_source=11FS&utm_medium=podcast&utm_campaign=generic
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 , Charles McManus, Jaidev Janardana, and Valentina Kristensen.Links:
ClearBank: Third of fintechs face regulatory scrutiny due to agency banking partners
ClearBank | How well are fintechs served by banks?
Nigerian challenger Kuda Bank raises $25m in Series A funding - FinTech Futures
OakNorth profits surge to £77.6m despite pandemic
Investment platform Freetrade raises £50m as homebound customers fuel revenue surge | Business News | Sky News
Zopa raises £20 million after exceeding bank performance targets
The Unnamed Artist on Twitter: "Hello! It is time you meet my alter ego "Unnamed Artist" I'm delighted to offer you the opportunity of a lifetime. I'm selling my 1st NFT. Though bidding starts at 100.00, you can “BUY IT NOW” for 69,346,250.50! https://t.co/Vuyx4trvPE https://t.co/aC4oSVfGHF" / Twitter
John Cleese has an NFT bridge to sell you for $69.3 million - The Verge
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Mar 26, 2021 • 56min
513. Insights: Banking Architecture - How should banks structure their technology?
Simon is joined by some great guests to talk about to talk about banking architecture and how banking technology is structured.
We’re looking at how bank tech works today, how it's typically and histrocially been strucutred and why that playbook doesn't necessarily work in a digital age. We discuss the challenges the big banks currently face but also the opportunities that they could take advantage of and how to get there.
This week's guests include:
Ewan Silver, 11:FS CTO
Simon Van-Colina, CTO and Co-founder of Fronted
Peter Hazlehurst, Co-founder and CEO and Synctera
Christin Brown, Global Financial Services Strategy & Solutions Lead, at Google Cloud.
*This episode is sponsored by Banking Circle! *
A fully licensed bank focused on payments, Banking Circle gives Financial Institutions and large corporates direct access to clearing in multiple countries, enabling them to deliver global payments faster and more cost-effectively for their customers. Bypass legacy systems, enable global banking services for your customers and grow your business.
Find out more at BankingCircle.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: Christin Brown, Ewan Silver, Peter Hazlehurst, and Simon Vans-Colina.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Mar 22, 2021 • 1h 11min
512. News: Are Stripe the technokings of payments?
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:
Oscar Williams-Grut, Senior City Correspondent at Yahoo Finance
Miguel Armaza, Co-President & Podcast host, Wharton Fintech
We cover the following stories from the fintech and financial services space:
Stripe raises $600 million at a $95bn valuation
BlockFi Completes $350 Million Series D Funding Round
New challenger Ikigai (ee-key-guy) combines digital banking and wealth management
CommBank steps into BNPL fray
Tencent Loses $62 Billion, Wiping Out Value of Fintech Business
And
Elon Musk now identifies as Technoking of Tesla
*This episode is sponsored by Banking Circle! *
A fully licensed bank focused on payments, Banking Circle gives Financial Institutions and large corporates direct access to clearing in multiple countries, enabling them to deliver global payments faster and more cost-effectively for their customers. Bypass legacy systems, enable global banking services for your customers and grow your business.
Find out more at BankingCircle.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: Miguel Armaza and Oscar Williams-Grut.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Mar 19, 2021 • 54min
511. Insights: After Dark - Open Finance: fact or fantasy?
Our expert hosts, Sarah Kocianski & Adam Davis are back leading another Fintech Insider After Dark event! This time we are focussing on Open Finance. Open Finance is easily one of the hottest topics in the financial services industries at this moment, but how much do we actually know about this technology? The panel takes a look at what the differences and similarities are compared to the PSD2 implementation, and what some of the concerns are in regards to GDPR and customer security.
We also talk about what opprtunities this technology opens up, bust some common myths and answer the burning question: Should we be excited about the possibilities of Open Finance?
Joining us to talk about this are:
Dan Kahn, Open Finance Lead at Plaid
Jack Wilson, Head of Policy and Public Affairs, TrueLayer
Nilixa Devlukia, Founder, Payments Solved
This podcast is brought to you by Mitek.
Digital Identity Verification trusted the world over - secure more high-value customers while reducing risk and costs with Mitek, a global leader and enterprise partner in Identity Verification technology. Create certainty in today’s digital world with Mitek.
Head over to https://www.miteksystems.com/ to find out more.
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: Dan Kahn, Jack Wilson, and Nilixa Devlukia.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Mar 17, 2021 • 57min
Bonus: Can banks really build tech? In conversation with Boe Hartman, CTO at Nomi Health
Welcome to Fintech Insider 'In conversation with", recorded live on Clubhouse.
In this very special episode, David and Jason spoke to Boe Hartman, CTO at Nomi Health, and one of the lead architects behind Marcus by Goldman Sachs to discuss whether banks can really build tech?
Boe shares some key learnings from his career to date; how he created change within some of the biggest banks in the world, the challenges he faced and how he overcame them; and also insights into his brand new start up in the insurtech space, Nomi Health.
Come and join the conversation next time we're live! Search 11:FS Fintech Insider on Clubhouse to join our club!
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: Boe Hartman.
Learn more about your ad choices. Visit megaphone.fm/adchoices


