

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

Oct 19, 2018 • 34min
Ep. 262. Insights: Live from BBVA Open Summit!
Today's insights show takes a closer look at how to move faster at scale and operating in agile creation models. We also take a look at what happens to data when it enters a platform, understanding how data and platforms interact with businesses and consumers, as well as the dynamics of marketplaces and platforms.
We speak to the best experts to find out more:
Derek White, Global Head of Customer Solutions at BBVA
Ian Ormerod, Head of New Digital Business at BBVA
Juho Makkonen, Co-Founder and CEO of Sharetribe
This episode was produced by Laura Watkins and Petrit Berisha. Edited by Michael Bailey.Special Guests: Derek White, Ian Ormerod, and Juho Makkonen.
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Oct 12, 2018 • 47min
Ep. 260. Insights: Product Design in fintech and banking
Today's insights show takes a closer look at what it means to create good digital products, how to give products room to breathe before they're abandoned and how to make, test and iterate.
We speak to the perfect experts to find out:
Louise Smith, Head of Design for the Personal and Business Bank, RBS/NatWest
Hugo Cornejo, Head of Design at Monzo
Rob Brown, Global Head of Marketing, Design and Responsible Business at BBVA
Domenico De Fano, Product Owner at Revolut
This episode was written and produced by Laura Watkins. Edited by Michael Bailey.Special Guests: Domenico De Fano, Hugo Cornejo, Louise Smith, and Rob Brown.
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Oct 5, 2018 • 51min
Ep. 258. Insights: Healthtech
Today's insights show takes a closer look at what's going on in the Healthtech space. We take a look at: how people engage with their health, companies looking towards preventative measures, whether healthcare should be more patient-centric, crossovers with insurtech/fintech/healthtech and much more.
We're joined by some fantastic guests:
Amit Patel, Director of New Ventures at Bupa
Nick Tate, VP Global Digital Innovation at GSK
Matt Lenzi, Director at Hanno
Paul Bate, Director of NHS services at Babylon Health
This episode was written and produced by Laura Watkins and edited by Michael Bailey.Special Guests: Amit Patel, Matt Lenzi, Nick Tate, and Paul Bate.
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Sep 27, 2018 • 46min
Ep. 256. Insights: PensionBee takeover
Simon and Sam are with Romi Savova, CEO of PensionBee, Jasper Martens, CMO of PensionBee and Jonathan Lister Parsons, CTO of PensionBee.
We're bringing you an insight into the pensions landscape, how regions outside of London are affecting pensions, the impact of open banking and gender imbalances in saving, as well as how financial education can increase savings.
We also talk to PensionBee about their 'battle' with the incumbents of the pension industry as well as how pensions can evolve in the future.
We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider on Twitter or Facebook.
If you really loved it, please leave us a review, we love reading them!
This episode was produced by Laura Watkins and edited by Michael BaileySpecial Guests: Jasper Martens, Jonathan Lister Parsons, and Romi Savova.
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Sep 21, 2018 • 36min
Ep. 254. Interviews: Shamir Karkal, Co-Founder of Simple Bank
Shamir Karkal is Co-Founder of Simple Bank, he was the CFO during his time there and is now the CEO and Co-Founder of Sila.
Sarah and Shamir talk about the genesis of Simple Bank and how it developed into a unique banking proposition that delivers a minimum loveable product.
They also talk about the journey that Simple had to navigate in order to achieve its success and how frustration with an issue no-one else was paying attention to led to a successful business.
We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider on Twitter or Facebook.
If you really loved it, please leave us a review, we love reading them!
This episode was produced by Laura Watkins and edited by Michael Bailey.Special Guest: Shamir Karkal.
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Sep 14, 2018 • 35min
Ep. 252. Insights: Islamic Fintech
Today's insights show takes a closer look at what's going on in the Islamic finance space. We take a look at what Islamic Fintech actually is, its global scale, what makes it different from other areas of fintech, how it fits in with the push towards ethical fintech, and much more.
We speak to the best experts to answer all these questions:
Abdul Haseeb Basit - Co-founder and Principal, Elipses
Harris Irfan - Partner at Gateway and Chair of the UK Islamic FinTech Panel
Stella Cox - Managing Director, DDCAP Group and Chair of TheCityUK Islamic Finance Markets Advisory Group’
Irfan Khan - Founder and CEO of Yielders
This episode was written and produced by Laura Watkins and edited by Michael Bailey.Special Guests: Abdul Haseeb Basit, Harris Irfan, Irfan Khan, and Stella Cox.
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Sep 7, 2018 • 38min
Ep. 250. Insights: Luxembourg (the biggest fintech hub you've never heard of)
Today's insights show takes a closer look at what's going on in the fintech space in Luxembourg. How can a fintech hub be such a big deal if no one’s ever heard of it? Where is Luxembourg anyway, isn’t it that tiny country sandwiched between France, Belgium and Germany?
We speak to the best experts to answer all these questions:
Pierre Gramegna - Luxembourg Finance Minister
Nicolas Mackel, CEO, Luxembourg for Finance
Nasir Zubairi - CEO of LHoFT
Denise Voss - Chairman of ALFI, the Association of the Luxembourg Fund Industry.
Mike Kane, CEO of Hydrogen
Andy Bryant, COO of Bitflyer Europe
Elena Poughia, MD of Dataconomy
We take a deep dive on the fintech sector at Luxembourg, what the country's doing to create a thriving environment for fintechs, and how the country is building a fintech hub set to rival London, Berlin, and every other European fintech hub.
This episode was written and produced by Laura Watkins and edited by Michael Bailey.Special Guests: Andy Bryant, Denise Voss, Elena Poughia, Mike Kane, Nasir Zubairi, Nicolas Mackel, and Pierre Gramegna.
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Aug 31, 2018 • 38min
Ep. 248. Interviews: John Hope Bryant
John Hope Bryant is CEO and Chairman of Operation Hope, Promise Homes, CEO of Bryant Group Ventures, and Co-Founder of Global Dignity. He was also the first person Sam Maule ever interviewed for 11:FS. The two of them sit down. a year later, to discuss financial inclusion and how it makes everyone wealthier.
Promise Homes is a profitable enterprise combining all of John Hope Bryant's passions and interests, aimed at encouraging underserved people to become owners of their own property by renting to them with a goal to becoming part owners and eventually whole owners. It also creates a healthy renter-landlord relationship that benefits everyone in the transaction.
A 200 point difference in credit score is all it takes to massively change someone's life, as John Hope Bryant says: there's never been a riot in a 700 credit score neighbourhood. Whereas in a 500 credit score community is where the real problems are found.
Raising the value of communities is central to John Hope Bryant's message, it stabilises the area and reduces conflicts. He shares how he's helped uplift people's lives by creating financial structures that increase wealth for everyone involved. When poor people do better it increases the wealth of wealthy people.
John Hope Bryant shares what he's doing to increase the wealth of people in communities that works to improve standards for everyone and how important confidence is in building that wealth.
We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider on Twitter or Facebook.
If you really loved it, please leave us a review, we love reading them!
This episode was produced by Laura Watkins and edited by Holly Blaxill.Special Guest: John Hope Bryant.
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Aug 27, 2018 • 1h 17min
Ep. 247. News: Who should we trust?
In this episode the team sit down with top fintech CEOs to tackle the week's top financial news
Kicking off with the news that in the ten year anniversary of the financial crisis, Brits still don't trust their banks to act in the interests of society. We explore what this means, whether banks have ever acted in the interests of society and if this really is the case? We asked some people on the streets around our offices to see if they agree. Find out what they said.
Big banks have had it tough in this week's headlines - TSB have had another outage in the exact week the FCA have mandated banks to declare their outages, and the Telegraph reveals the slightly underhand dealings with savers' rates, in the days and weeks before the Bank of England's interest rate rise. We spoke to Dominic Lindley Director of Policy, New City Agenda (and a member of the Financial Services Consumer Panel) to get his take on this, and to summarise all the big bank bad news stories we’ve just covered.
Amazon have announced their desire to become a price comparison site, sending their competitors' share prices tumbling, we also got some great insight from Oliver Ralph, Insurance Correspondent at the FT on this one.
The team also examine: Revolut's customers getting locked out of their accounts in an attempt to crack down on money laundering; JP Morgan's new investment app which is aimed at millennials and first time investors and offers free trades and the big fintech valuations of the week, which predict Monzo will become the next fintech unicorn in Europe.
All this and so much more on today's episode of Fintech Insider!
Subscribe so you never miss an episode, leave a review on iTunes and every other podcast app. Spread the fintech love by sharing or tweeting this podcast @FintechInsiders and join the discussion.
This week's episode was written and produced by Laura Watkins and edited by Michael Bailey.Special Guests: Anil Stocker, Caroline Plumb, Dominic Lindley, Oliver Ralph, and Tom Eyre.Links:
British public don't trust banks 10 years after crisis, survey finds | Reuters
TSB online banking goes down again as customers complain after another outage
Brit banks must disclose outages via API, decrees finance watchdog • The Register
Revealed: the banks that robbed savers of a rate rise
Amazon considering insurance comparison site for UK, says report | The Independent
Customer fury at Nikolay Storonsky’s Revolut lock-out | Business | The Sunday Times
JP Morgan to unveil new investing app with an eye-catching, disruptive price: Free
Monzo poised to join ranks of Europe’s fintech ‘unicorns’ | Financial Times
5 Trends Emerge in the Gartner Hype Cycle for Emerging Technologies, 2018 - Smarter With Gartner
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Aug 24, 2018 • 1h 14min
Ep. 246. Insights: Digital Identity
Today's insights show takes a closer look at what it means to have a digital identity and who really controls who you are online?
We speak to the perfect experts to find out:
Jamie Smith - Strategic Engagement Director - Evernym
Emma Lindley - Senior Director of Digital ID and Money at Visa
Vinny Lingham - Co-founder and CEO of Civic
Diane Joyce - CTO for the Post Office Identity Services
Katryna Dow - Founder and CEO of Meeco
Our hosts dive deep into the issue, finding out what your digital identity actually means, who owns it, who the biggest players in the space are and how you can reclaim it with self-sovereign ID. Laura and Ryan also take a look at how digital identity works globally and how it's set to develop in the future.
This episode was written and produced by Laura Watkins, and co-produced by Petrit Berisha, edited by Michael Bailey.Special Guests: Diane Joyce, Emma Lindley, Jamie Smith, Katryna Dow, Ryan Garner, and Vinny Lingham.
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