

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

Dec 2, 2019 • 1h 5min
379. News: Is Goldman Sachs going mass market?
Our expert hosts, Simon Taylor and David Brear are joined by some returning guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include:
Olly Betts - Co-Founder and Chief Executive Officer at OpenWrks
Aman Kohli - Chief Technology Officer Banking and Capital Markets, DXC Technology
Isabel Woodford - Fintech Journalist, Sifted
Together, they cover the following stories from the fintech and financial services space:
Plaid expands further across Europe (02:24) - and we also hear from Plaid's Head of UK, Keith Grose, to tell us more.
Goldman Sachs may be acquiring E-Trade or merging with US Bank (12:29)
Westpac chief quits amid money laundering scandal (21:36)
India’s Paytm raises $1 billion (30:40)
Nationwide opens API sandbox for mortgage industry (37:28)
Revolut launches GBP direct debits (44:17)
Brazilian fintech says it’s the world’s first LGBT+ bank (50:26)
RBS’s Bo moo-ves into the market (54:11)
Check out our brand new documentary 11:YEARS - the Rise of UK Fintech now. Head over to 11years.film to watch for free, and share using #11YEARS.
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, Leda Glyptis 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 in subject matters such as APIs, AI or digital banking.
If you enjoyed 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: Aman Kohli , Isabel Woodford, Keith Grose, and Olly Betts.Links:
Plaid expands further across Europe
Goldman Sachs may be acquiring E-Trade or merging with US Bank
Westpac chief quits amid money laundering scandal
India’s Paytm raises $1 billion
Nationwide opens API sandbox for mortgage industry
Revolut launches GBP direct debits
Brazilian fintech says it’s the world’s first LGBT+ bank
RBS’s Bo moo-ves into the market
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Nov 29, 2019 • 48min
378. Interviews: Robinhood Snacks - Investment content simplified
Sam Maule is hosting today's Fintech Insider Interviews all the way from New York City! In this episode, Sam is joined by MarketSnacks co-founders Jack Kramer and Nick Martell, now Managing Editors of News and hosts of the rebranded Robinhood Snacks podcast and newsletter. Together they talk about how the brand came about, the power of podcasts with millennials and the ethics of democratising our financial systems.
We're also given an insight into Jack and Nick's backgrounds, their take on emerging fintech markets in Latin America, and what the future holds for Robinhood Snacks. All this and much much more on today's Fintech Insider Interviews!
Check out our brand new documentary 11:YEARS - the Rise of UK Fintech now. Head over to 11years.film to watch for free, and share using #11YEARS.
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, Leda Glyptis 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 in subject matters such as APIs, AI or digital banking.
If you enjoyed 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: Jack Kramer and Nick Martell.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Nov 25, 2019 • 54min
377. News: Fintechs for sale!
Sam Maule and Will White are hosting this week's news show in New York and, as always, they're joined by some great guests. To talk about the most notable fintech, financial services and banking news from the past week, today's guests are:
Phillip Rosen - CEO at Even Financial
Ramona Ortega - Founder and CEO at My Money, My Future
Charley Ma - NYC Growth Manager at Plaid
We cover the following stories from the fintech and financial services space:
Paypal acquires coupon browser Honey for $4 billion (02:50)
Digital bank Chime will quadruple its revenue In 2019 (06:12)
HSBC USA offers Real-Time Payments network to business clients (16:20)
88% of companies unprepared for California consumer privacy regulations (22:36)
Elavon to acquire Sage Pay gateway (32:11)
Alipay aims to serve 10 million European SMEs by 2024 (39:42)
“Bark-lays” invites stressed students to puppy session (43:15)
Check out our brand new documentary 11:YEARS - the Rise of UK Fintech now. Head over to 11years.film to watch for free, and share using #11YEARS.
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, Leda Glyptis 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 in subject matters such as APIs, AI or digital banking.
If you enjoyed 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: Charley Ma , Phillip Rosen , and Ramona Ortega.Links:
Digital bank Chime will quadruple its revenue In 2019
HSBC USA offers Real-Time Payments network to business clients
88% of companies unprepared for California consumer privacy regulations
Elavon to acquire Sage Pay gateway
Alipay aims to serve 10 million European SMEs by 2024
“Bark-lays” invites stressed students to puppy session
Learn more about your ad choices. Visit megaphone.fm/adchoices

Nov 22, 2019 • 50min
376. Insights: The future of New York fintech
Recorded live from the Big Apple, our expert hosts, David Brear and Sam Maule, are joined by some fantastic guests at our After Dark event in New York to talk about all things fintech and banking in the US.
For this After Dark show, David and Sam were joined by:
Melissa Stevens - Chief Digital Officer Fifth Third Bank
Angela Galardi Ceresnie - CEO of Climb Credit
Chris Maddern - Co-Founder and Chief Innovation Officer, Button
In our pun-filled show, we kick things off by discussing some of the biggest apples in the Big Apple. We dive into Marcus by Goldman Sachs, Silicon Valley's expansion into New York, Apple Pay, and much much more. (03:55)
Next up, it's all about new skins and legacy cores. What are American fintechs’ secret sauce? What is their advantage over big banks, even if they’re not licensed? And, are fintech players even making a dent? (27:18)
To round things off, we look towards the future - forbidden fruit and the next big apple. We discuss OCC being denied fintech charters, faster payments being pushed back, and the next big New York fintech story. (34:46)
All this and so much more on today's show.
Check out our brand new documentary 11:YEARS - the Rise of UK Fintech now. Head over to 11years.film to watch for free, and share using #11YEARS.
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, Leda Glyptis 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 in subject matters such as APIs, AI or digital banking.
If you enjoyed 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: Angela Galardi Ceresnie, Chris Maddern, and Melissa Stevens.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Nov 18, 2019 • 53min
375. News: Everything is fintech!
Our expert hosts, Sarah Kocianski and Simon Taylor, are back to bring you up to speed with the fintech, financial services and banking news from the past week. Joining them to discuss the latest headlines and most recent developments are some great guests including:
Will Carmichael - CEO of Rooster Money
Smriti Vicari - Executive Director of Fintech and Strategic Partnerships at Visa Europe
Roisin Levine - Head of Banks at Flux
This week we cover the following stories from the fintech and financial services space:
Google to offer checking accounts in partnership with banks starting next year (01:50)
Facebook launches Facebook Pay (08:19)
Apple Card tweets lead to Goldman gender discrimination probe (14:33)
HSBC and RBS set to launch new digital banking platforms (20:42)
Starling tops one million accounts (28:49)
Australian neobank 86 400 rolls out digital mortgage offering (35:13)
Nationwide customers will see overdraft interest more than double to almost 40% (39:50)
Harrods limits Christmas grotto to £2,000-plus spenders (46:24)
Check out our brand new documentary 11:YEARS - the Rise of UK Fintech now. Head over to 11years.film to watch for free, and share using #11YEARS.
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, Leda Glyptis 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 in subject matters such as APIs, AI or digital banking.
If you enjoyed 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: Roisin Levine , Smriti Vicari, and Will Carmichael.Links:
Google to offer checking accounts in partnership with banks starting next year
Facebook launches Facebook Pay
Apple Card tweets lead to Goldman gender discrimination probe
HSBC and RBS set to launch new digital banking platforms
Starling tops one million accounts
Australian neo bank 86 400 rolls out digital mortgage offering
Nationwide customers will see overdraft interest more than double to almost 40%
Harrods limits Christmas grotto to £2,000-plus spenders
Learn more about your ad choices. Visit megaphone.fm/adchoices

Nov 15, 2019 • 51min
374. Insights: The importance of cashflow for SMEs - Live at Xerocon
On this week's combined news and insights show, David Brear hosts a live panel at Xerocon London 2019! On the first part of the show, David is joined by a couple of special guests to discuss some of the announcements that were made at Xerocon:
Xero Pay partners with Transferwise for bill and reconciliation payments (03:32)
Craig Walker - Co-founder and Executive GM of Payments & Billing Solutions at Xero
Nilan Peiris - Vice President of Growth at TransferWise
Iwoca and Xero working together to improve SME lending solutions (08: 52)
Ben Johnson - Payments & Lending Partnerships Lead at Xero
Lara Gilman - Chief Product Officer at iwoca
Later in the show, things get heated at the F'in Debate where 4 teams go head-to-head to debate which is the most valuable or impactful aspect of cashflow to SMEs! (15:13)
Divided into their debate teams, our special guests include:
Team Spending:
Carlo Gualandri - CEO of Soldo
Frankie Kay - Director of Farnell Clarke
Team Payments:
Pranav Sood - Vice President & General Manager of International Expansion at GoCardless
Jonathan Bareham - Director and co-founder of Raedan
Team Lending:
Anil Stocker - CEO of MarketFinance
Lauren Harvey - Founding Director of Full Stop
Team Forecasting:
Hannah Dawson - CEO and Founder of FUTRLI
Nikki Adams - Director of Ad Valorem
Check out our brand new documentary 11:YEARS - the Rise of UK Fintech now. Head over to 11years.film to watch for free, and share using #11YEARS.
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, Leda Glyptis 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 in subject matters such as APIs, AI or digital banking.
If you enjoyed 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: Anil Stocker, Ben Johnson , Carlo Gualandri, Craig Walker, Frankie Kay, Hannah Dawson, Jonathan Bareham, Lara Gilman , Lauren Harvey, Nikki Adams, Nilan Peiris , and Pranav Sood.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Nov 11, 2019 • 1h 5min
373. News: Robinhood's 'free money' glitch
Our expert hosts, Leda Glyptis 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:
Jasper Martens - CMO at PensionBee
Francesca Carlesi - Co-founder and CEO at Molo Finance
Ryan Edwards-Pritchard - Fintech nomad and friend of the show
We cover the following stories from the fintech and financial services space:
MPs urge refunds for victims of bank transfer fraud (01:51)
Robinhood traders find “infinite leverage” glitch (10:51)
Freetrade closes $15M in Series A funding (16:24)
Digital banks grow as fintech funding slows (23:18)
Westpac announces banking-as-a-service platform (32:22)
Goldman Sachs leads $50M round for credit card platform (40:35)
M&S teams with Clearpay on “buy now, pay later” option (49:58)
The London Mint will give out historic threepence pieces for free (56:35)
Check out our brand new documentary 11:YEARS - the Rise of UK Fintech now. Head over to 11years.film to watch for free, and share using #11YEARS.
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, Leda Glyptis 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 in subject matters such as APIs, AI or digital banking.
If you enjoyed 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, Francesca Carlesi, Jasper Martens, and Ryan Edwards-Pritchard.Links:
MPs urge compulsory refunds for victims of bank transfer fraud | Business | The Guardian
Reddit Wealth Tips: Robinhood App Glitch Gave 'Infinite Leverage' - Bloomberg
Freetrade, the UK challenger stockbroker, completes $15M Series A | TechCrunch
European fintech weekly: Uber Money marks a new paradigm & October funding dip | Sifted
Top digital banks grow new users 209% over the past six quarters
Westpac to move into banking-as-a-service with investment in 10x Fu...
CYBG to relaunch as Virgin Money
M&S takes on Klarna by introducing its own payment installation service | This is Money
£1 million worth of 'thruppences' to be sold to stop coin collecting dying out
Learn more about your ad choices. Visit megaphone.fm/adchoices

Nov 8, 2019 • 49min
372. Interviews: Lee Wetherington & Ben Metz, Jack Henry and Associates
Sam Maule is hosting this episode, all the way from San Diego! In this interview episode he is joined by Lee Wetherington, Director of Strategic Insight and Ben Metz, senior Managing Director at Jack Henry & Associates! Together they talk about how Bano came about and what Jack Henry actually is, a game Sam refers to as Jack - who?
We are also given an introduction to what a community bank is, why the US banking system is unique in its way of operating and why the US banking system is 10 years behind the rest of the world. All this, and much much more on today's Fintech Insider Interviews!
Check out our brand new documentary 11:YEARS - the Rise of UK Fintech now. Head over to 11years.film to watch for free, and share using #11YEARS.
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, Leda Glyptis 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 in subject matters such as APIs, AI or digital banking.
If you enjoyed 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: Ben Metz and Lee Wetherington.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Nov 4, 2019 • 1h 14min
371. News: Monzo responds to BBC expose
Our expert hosts, David Brear 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:
Tom Blomfield - CEO of Monzo
Edoardo Volta - VP, Head of Fintechs at Mastercard
James Butland - VP Global Banking at Airwallex
We cover the following stories from the fintech and financial services space:
Monzo have their say following the BBC’s highlight critical Watchdog attack (02:20)
Fintech’s fast pass to traditional banking is now cut off (27:11)
Banks Must Act Now or Risk Becoming a ‘Footnote’: McKinsey (41:54)
Uber pushes into payments with Uber Money (50:23)
Square launched stock trading on its popular Cash App (58:25)
And finally - Alexa can pay your bills (01:07:10)
Check out our brand new documentary 11:YEARS - the Rise of UK Fintech now. Head over to 11years.film to watch for free, and share using #11YEARS.
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, Leda Glyptis 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 in subject matters such as APIs, AI or digital banking.
If you enjoyed 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: Edoardo Volta, James Butland, Kate Moody, and Tom Blomfield.Links:
Monzo denies unfairly freezing accounts in wake of BBC Watchdog claims
Fintech's fast pass to traditional banking is now cut off
Banks Must Act Now or Risk Becoming a ‘Footnote’: McKinsey
Subscribe to read | Financial Times
Square launches stock trading on its popular Cash App
Amazon Taps Into Bill Payments With Alexa | PYMNTS.com
Learn more about your ad choices. Visit megaphone.fm/adchoices

Nov 1, 2019 • 22min
370. Interviews: Bill Winters, Group Chief Executive at Standard Chartered
Jason Bates brings you this incredible interview with Bill Winters, Group Chief Executive at Standard Chartered, straight from SIBOS 2019! In this interview we find out more about Standard Chartered, how to be a disruptor in new markets, the importance of company culture and where the areas for innovation are in this industry.
Tune in for industry insights, a wealth of experience and much much more.
Check out our brand new documentary 11:YEARS - the Rise of UK Fintech now. Head over to 11years.film to watch for free, and share using #11YEARS.
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, Leda Glyptis 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 in subject matters such as APIs, AI or digital banking.
If you enjoyed 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: Bill Winters.
Learn more about your ad choices. Visit megaphone.fm/adchoices