

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 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.
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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.
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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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Aug 23, 2019 • 57min
350. Insights: The RBS remedies fund
On this episode of Fintech Insider Insights, David Brear and Sarah Kocianski are joined by four guests, who all just happen to be winners of the RBS remedies fund! Our guests include:
Andrew Smith - Chief technology officer at Clearbank - Pool A
Alex Cardona - Co-Founder at Codat - Pool D
Rob Angus, Chief Proposition & Finance Officer, Nationwide For Business - Pool B
Simon Brown - Head of Business Banking at Atom Bank - Pool C
On this insights episode we take a detailed look at the RBS remedies fund. We go through the following:
What is the RBS remedies fund and what lead to it?
Who are the winners of each pool?
What was the road to winning like?
What does the RBS remedies fund mean to the SME sector?
What does the future of SME banking in the UK look like?
All this and so much more on todays Fintech Insider Insights.
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: Alex Cardona, Andrew Smith, Rob Angus, and Simon Brown.
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Aug 19, 2019 • 1h
349. News: Get rich quick!
Our expert hosts, Simon Taylor 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:
Stephen Lemon - Cofounder and VP at CurrencyCloud
Carl Hazeley - VP at Finimize
Caroline Plumb - CEO of Fluidly
We also hear from Sam Maule, 11:FS MP and Wander Rutgers, President of Robinhood International!
We cover the following stories from the fintech and financial services space:
Remedies Pool C winners are announced (1:44)
Goldman Sachs dips into subprime lending with Apple Card (11:52)
Robinhood gains authorisation to open in the UK (21:45)
Central Bank of Ireland to skip deadline for SCA rules (28:30)
Venmo launches instant transfers to bank accounts (33:40)
WeChat Pay and Alipay partner QFPay raises $20 million to develop new digital payment solutions (41:19)
Hey Google, lend me a tenner? NatWest trials voice banking (48:45)
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: Carl Hazeley, Caroline Plumb, Sam Maule, Stephen Lemon, and Wander Rutgers.Links:
Goldman Sachs is dipping into subprime lending with Apple Card
Fireside
Central Bank of Ireland to skip deadline for SCA rules
Venmo launches instant transfers to bank accounts | TechCrunch
WeChat Pay and Alipay partner QFPay raises $20 million to develop new digital payment solutions | TechCrunch
Hey Google, lend me a tenner? NatWest trials voice banking | Business | The Guardian
RBS Remedies Pool C winners announced
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Aug 16, 2019 • 46min
348. Interviews: Nick Ogden, Founder of ClearBank and WorldPay
On this episode of Fintech Insider Interviews, David Brear is joined by fintech "founding father" Nick Ogden to talk about a variety of topics, including:
Nick's background and who he is today
The businesses he's founded and run including WorldPay
Why he set up ClearBank
Where he sees the fintech industry in 5 years
What drew him into joining Funding Options as a Non Exec Chairman
The most important things he's learnt during his career
All of that and so much more on todays episode of Fintech Insider!
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: Nick Ogden.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Aug 12, 2019 • 1h 5min
347. News: Illegal fintech loansharks?
Our expert hosts, Jason Bates 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:
Richard Davies, COO at Revolut
Simon Dix, CEO and founder of DX Compliance Solutions
Joy MacKnight, Managing Editor at The Banker
We also hear from Marko Wenthin, CEO at Penta, Brandon Chung, 11:FS JTBD Consultant, and Sam Maule, 11:FS Americas MD
We cover the following stories from the fintech and financial services space:
America to get real-time payments by 2024 (2:12)
Klarna’s multi-billion dollar valuation to help them hit Australia (12:36)
Hongkongers are reaping the benefits of virtual banks even before their launch (20:37)
Penta’s latest funding round (27:36)
HSBC Cuts 4,000 Jobs, starting with the CEO (38:17)
Australia passes consumer data rights legislation (47:58)
20-Year Mortgages Hit Zero for the First Time in History (53:55)
Indonesia Has Shut Down 826 Fintech Startups This Year Alone (58:31)
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: Brandon Chung, Joy Macknight, Marko Wenthin, Richard Davies, Sam Maule, and Simon Dix.Links:
Fed plans to launch real-time payment service by 2024 | American Banker
Klarna pushes for growth in US and Australia with $460 million equity raise | Finextra
Hongkongers are reaping the benefits of virtual banks even before their launch | Tech in Asia
Penta, the German business banking startup, raises €8M additional funding | TechCrunch
HSBC Adds To The Gloom On Wall Street By Cutting 4,000 Jobs | Forbes
Australia passes consumer data rights legislation | Finextra
20-Year Mortgages Hit Zero for First Time in Danish Rate History | Bloomberg
Indonesia Has Shut Down 826 Fintech Startups This Year Alone | Bloomberg
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Aug 9, 2019 • 44min
346. Insights: Jobs to be Done - The future of product design
Guests David Brear, Alan Klement, Justin Geaney, and Peter Collingridge discuss the concept of Jobs to be Done (JTBD) in product design, highlighting its impact in creating customer-centric digital propositions. They delve into the key role JTBD plays in making products integral to customers' lives and enabling powerful customer journeys, emphasizing that it is the future of product design.

Aug 5, 2019 • 1h 2min
345. News: This is how you make money.
Our expert hosts, Simon Taylor and Jason Bates, 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:
Mark Frampton, Analyst Relations Manager at Finastra
Greg Michel, Head of Fintech, Cybersecurity & AI at Tech Nation.
Lois Ollerenshaw, Venture principal at Nationwide building society
We also hear from Virginie O’Shea, Research director at Aite Group
We cover the following stories from the fintech and financial services space:
Nubank’s $400 MILLION mega round pushes their valuation to $10 billion (1:59)
Goldman Sachs’ billion dollar fintech gamble (9:41)
Revolut’s investors predict a $10bn valuation (14:42)
Jack Ma’s $290 Billion Loan Machine Is Changing Chinese Banking (24:07)
US Women Pay 18% More in Banking Fees Than Men (32:08)
Rakuten’s US banking charter application raises concerns with American Banks (39:23)
London Stock Exchange in talks to buy Refinitiv for $27bn (48:13)
Noel Edmonds reaches compensation deal with Lloyds over scam (57:25)
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: Greg Michel, Lois Ollerenshaw, Mark Frampton, and Virginie O'Shea.Links:
Nubank valuation jumps to $10 billion on $400 million mega round | Finextra
Goldman Sachs big fintech gamble is about to heat up for summer as it takes on N26, Revolut and Monzo | Altfi
Revolut on course to be worth $10bn and match the size of Barclays, say backers | The Telegraph
Jack Ma’s $290 Billion Loan Machine Is Changing Chinese Banking | Bloomberg
Women Pay 18% More in Banking Fees Than Men, Research Finds | Bloomberg
Rakuten to apply for US banking charter | Finextra
London Stock Exchange Confirms $27bn Refinitiv Takeover Talks | FT
Noel Edmonds reaches compensation deal with Lloyds over scam | BBC News
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