

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

Sep 25, 2019 • 32min
Bonus: Top 25 startups in the UK!
On this bonus episode, David Brear is joined by Megan Caywood, Head of Digital Strategy at Barclays, to talk about a recent list made by LinkedIn - the top 25 startups in the UK!
They cover the following:
What companies made it to the list?
How many startup have been founded in the last year?
What were the qualifications to make it to the list?
Notable inclusions and exclusions
If Megan were to create the same list - what would it look like?
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: Megan Cooper.
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Sep 23, 2019 • 1h 2min
359. News: Cardmageddon
Our expert hosts, David Brear 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:
Keith Grose - Head of UK at Plaid
Audrey Tinline - Senior Broadcast Journalist at BBC World Service Radio
Imran Gulamhuseinwala - Open Banking Implementation Trustee
We cover the following stories from the fintech and financial services space:
SCA is here - but also pushed back to March 2021 - what is going on? (02:08)
GoCardless launches US debit payments solution and opens San Francisco office (20:32)
British fintech start-up backed by Goldman Sachs axes 20pc of staff (35:52)
Visa and Mastercard join Plaid financing (41:43)
Students taking out payday loans 'to pay for gym memberships and avocados' (48:19)
Gartner Hype Cycle 2019 (55:22)
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: Audrey Tinline, Imran Gulamhuseinwala, and Keith Grose.Links:
New security checks for online shopping kick in – Which? News
GoCardless launches US debit payments solution and opens San Francisco office | TechCrunch
British fintech start-up backed by Goldman Sachs axes 20pc of staff
Visa and Mastercard join Plaid financing
Students taking out payday loans 'to pay for gym memberships and avocados'
5 Trends Appear on the Gartner Hype Cycle for Emerging Technologies, 2019 - Smarter With Gartner
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Sep 20, 2019 • 50min
358. Insights: Financial Crime - The weakest link
Our expert hosts, David Brear and Will White are joined by some great guests to talk about financial crime. What is it, how does it manifest itself and how can we work to solve it? Our guests are as following:
Francesca Hopwood-Road, Head of RegTech and Advanced Analytics at the FCA
Simon McDougall, Executive Director, Technology Policy and Innovation at the ICO
Nas Ahmed - General Counsel & Head of Risk in Exec at 11:FS
We cover the following topics:
Importance of getting it right
Current state of play
Use of technology & Getting everyone onboard
Is this an area where the UK could lead the world if we get it right?
What could the future look like?
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: Francesca Hopwood Road and Simon McDougall.
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Sep 16, 2019 • 59min
357. News: The financial sector’s meltdown
Our expert hosts, Jason Bates 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:
Ali Niknam, CEO of Bunq
Kirsty Grant, Chief Investment Officer at Seedrs
Jonas Bøgh Larsen, Co-founder and CEO of Pento
We cover the following stories from the fintech and financial services space:
Banks surprised by PPI deadline surge (03:00)
Big US sustainable funds fail to support ESG shareholder proposals (14:21)
Jack Ma steps down from his $460 billion Alibaba empire after 20 years (23:47)
Stripe introduces Stripe Corporate Card and activates payouts to 45 countries (34:19)
N26 Launches In Switzerland But Without CHF Support (40:09)
Xinja Bank gains banking licence; rolls out first accounts (46:53)
A bank mistakenly put $120,000 into a couple's account. They spent it! (53:47)
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: Ali Niknam, Jonas Bøgh Larsen, and Kirsty Grant.Links:
PPI: Barclays warns of £1.6bn hit from deadline spike
Subscribe to read | Financial Times
Jack Ma — the most flamboyant tech founder on the planet and China's richest man — steps down from his $460 billion Alibaba empire after 20 years, Business Insider - Business Insider Singapore
Stripe Newsroom: Stripe introduces the Stripe Corporate Card and activates payouts to 45 countries
N26 Launches In Switzerland But Without CHF Support | Fintech Schweiz Digital Finance News – FintechNewsCH
Xinja Bank gains banking licence; rolls out first accounts
A bank mistakenly put $120,000 into a couple's account. They spent it, police say - CNN
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Sep 13, 2019 • 33min
356. Interviews: Erik Qualman, author of Socialnomics
Our expert host, Sam Maule, is joined by some Erik Qualman, motivational speaker and best selling author for todays Fintech Insider Interview!
Erik's best selling book Socialnomics
Regulation in the financial industries
Being the second most liked author after J.K. Rowling
The importance of understanding of shared blame
Transforming technology
Outside in VS Inside Out
All this, and much more on today's Fintech Insider Interview!
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: Erik Qualman.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Sep 9, 2019 • 58min
355. News: Google knows best
Our expert hosts, Sarah Kocianski and David Brear, 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:
Joe Cross - Global Marketing & PR at TransferWise
Rona Ruthen - Customer Operations Director at Monzo Bank
Wincie Wong - Head of Rose Review Implementation, at RBS
We also hear from Monese CEO Norris Koppel and Nick Harris, UK Partnerships Lead for Square!
We cover the following stories from the fintech and financial services space:
Digital banks on track to treble customers next year (04:40)
Singapore to accept first digital bank applications (11:35)
Lenders accuse Google of overstepping mark with ban on payday loan apps (19:25)
Lloyds buys Tesco Bank’s mortgage book in £3.8bn deal (30:26)
TSB and Square announce payments partnership (36:40)
European banking app Monese partners with deposits marketplace Raisin (46:36)
Linkedin Top 25 Startups (53:04)
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: Joe Cross, Nicholas Harris, Norris Koppel, Rona Ruthen, and Wincie Wong.Links:
Digital banks on track to treble customers in next year but profits...
Singapore to accept first digital bank applications
Lenders accuse Google of overstepping mark with ban on payday loan apps
Subscribe to read | Financial Times
TSB and Square announce payments partnership
European banking app Monese partners with deposits marketplace Raisin | TechCrunch
LinkedIn Top Startups 2019: The 25 hottest UK companies to work for now | LinkedIn
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Sep 4, 2019 • 33min
354. Interviews: Boe Hartman, CTO Marcus by Goldman Sachs
On this episode of Fintech Insider Interviews, Sam Maule is in New York, in the Goldman Sachs offices, joined by Boe Hartman CTO and Partner at Marcus.
Boe's role at Marcus and a very special announcement about his future role at Goldman Sachs
The origin story and development of Marcus over the last 4 years
Marcus' success to date both in the US and the UK
The story behind the name "Marcus" for the brand
All this and much more in today's interview!
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: Boe Hartman.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Sep 2, 2019 • 1h 1min
353. News: Fintechs buying fintechs
Our expert hosts, David Brear 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:
Ben Chisell - Director of Digital product at OakNorth
Husayn Kassai - CEO and Co-Founder at Onfido
Bailey Kursar - CEO and Co-Founder of Toucan
We also hear from US CEO of N26, Nicolas Kopp about their recent US launch
We cover the following stories from the fintech and financial services space:
N26 moves out of beta and goes nationwide across the US (03:11)
Numbrs joins the fintech unicorn club (09:25)
Revolut’s new hires (16:45)
Deutsche bank fined 16 million dollars over US corruption charges (23:51)
Meeting of two marketplaces: Raisin acquires fairr
A woman's bank sent her safe house address to her abusive ex
India’s CRED raises $120M to help people improve their financial behavior
K-Swiss just dropped a new line of sneakers - specifically designed for CEOs!
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: Bailey Kursar, Ben Chisell, Husayn Kassai, Nicholas Kopp, and Nicolas Kopp.Links:
N26 moves out of Beta in US
Numbrs joins fintech unicorn club
Revolut hires new treasurer, deputy CFO and director of financial c...
Deutsche Bank fined $16m over US corruption charges - CityAM : CityAM
Raisin acquires retirement savings marketplace fairr
'The bank sent my safe house address to my abusive ex' - BBC News
India’s 9-month-old CRED raises $120M to help people improve their financial behavior | TechCrunch
K-Swiss The Startup collection features shoes designed 'for CEOs' - Business Insider
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Aug 30, 2019 • 1h
352. Insights: The future of cross-border payments
Our expert hosts, Leda Glyptis and Simon Taylor, are joined by some great guests on this insights show to take a deep dive in to the future of the payments industry and where we are going to see innovation coming from in this space! Our panel of guests include:
Harry Newman - Head of Banking at SWIFT
Andy Smith - CTO of Clearbank
Nadya Hijazi - Head of GLCM Digital, HSBC
On this insights episode, we cover the following topics
What is correspondent banking?
What is SWIFT and how is it shaping the future of the industry?
How is technology changing a traditionally static industry?
What will the universal adoption of gpi means for creating new opportunities for innovation?
Is the future going to be DLT based?
Where is the cross-border payments industry going next?
All this, and much more on today's insights show.
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: Andrew Smith, Harry Newman, and Nadya Hijazi.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Aug 26, 2019 • 1h 15min
351. News: Keep calm and carry on investing
Our expert hosts, David Brear and Will White, 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, Technology Editor at CityAM
Marko Wenthin, CEO at Penta
Olivia Vinden, Director at Alpha FMC
We cover the following stories from the fintech and financial services space:
Apple Card Launches For Everyone. Now Credit Is As Private As Cash (02:11)
Global fintech investment falls sharply (15:53)
NatWest hid a data breach from customers (24:15)
Credit Karma glitch exposed users to other people’s accounts (30:05)
TransferWise’s debit card launches in APAC (41:53)
Monzo customers to receive salaries a day early under new feature from app-only bank (49:50)
J-Lo & A-Rod Are Investing in Acorns (1:00:17)
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: Emily Nicolle, Marko Wenthin, and Olivia Vinden.Links:
Global fintech investment falls sharply
RBS hides Natwest data breach from customers | Business | The Times
Credit Karma glitch exposed users to other people’s accounts | TechCrunch
TransferWise’s debit card launches in Australia and New Zealand, with Singapore to follow | TechCrunch
Monzo customers to receive salaries a day early under new feature from app-only bank | The Independent
Jennifer Lopez, Alex Rodriguez Are Investing in Fintech Firm Acorns - WSJ
Apple Card Launches For Everyone. Now Credit Is As Private As Cash
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