Fintech Insider Podcast by 11:FS

The opaque nature of the credit world is scary, some might say Orwellian, but mostly just really confusing. You have to hand over your data, which is subsequently regurgitated into a number...where that number comes from is seemingly unclear. We speak to industry experts about the current state of credit scoring, and also where it will potentially go in the future. What is being done to avoid a black mirror-esque dystopia? What companies are becoming first movers in this space, to create a more transparent business models that actually help people in their daily lives. We also heard from the general public on their experiences with the credit system and why they find it unfair. The impact credit scoring has on people's lives is extraordinary- yet we're only seeing these business models starting to surface. Some would say it's a been a long time coming... Subscribe so you never miss an episode and leave a review on iTunes. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders or drop us a line via email podcasts@11fs.comSpecial Guests: Aneesh Varma, Justin Basini, Ollie Judge, and Rishi Khosla. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this very special episode, David, Simon and Sarah bring you dome fantastic guests and fantastic insights on the subject of truly digital banking recorded live Temenos' TCF2018 event in Dublin. Co-hosted by Temenos' own Dharmesh Mistry, the team were joined by an international rotation of guests including: Niall Cameron - Global Head of Corporate and Institutional Digital at HSBC Mr Ahmed Alrefaie, COO of AL MASRAF Andrew Clouston - COO, VOLT Dan Dickinson - Chief Digital Officer at Equitable Bank (EQ Bank) Fred Cook - CIO, BlueShore Financial Manoj Bhoswani - Managing Director, Head of APAC Private Banking Technology to take on three key topics: The State of Digital; Changing Business Models and Customer-Centric Engagement. Not only that but there was a return of the Fintech Wall of Emoji, updated to a new and improved digital model, keep listening to see where some key trends and topics were placed. Subscribe so you never miss an episode and leave a review on iTunes. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and send us an email podcasts@11fs.comSpecial Guests: Ahmed Alrefaie, Andrew Clouston, Dan Dickinson, Dharmesh Mistry, Fred Cook, Manoj Bhoswani, and Niall Cameron. Learn more about your ad choices. Visit megaphone.fm/adchoices

Did you know that you have a digital twin? Someone is the data version of yourself that lives and breathes the internet. The problem, in this digital world, is that Digital You leaves a digital footprint everywhere you go. Everywhere... Every app and tab you open, every T-shirt you buy online, every social media account you create, all leave a trail of data behind you. Now you might not think this is important, but have you ever wondered how it's being used. Why are companies like Facebook and Google gathering data about Digital You? Why is it so profitable for them? And if there's so much value at stake....why are we not offered anything in return for it? This is where GDPR steps in. It's power to the people: digital-style. Your inbox may have been flooded by a mixture of panicky, scary and funny emails asking you to read through some updated T's & C's for seemingly everything you've ever signed up to. They may reference something called GDPR, but what is this? How does it help us, the consumer, squeeze more value out of the apps and digital services we use? Ryan and Petrit take us on a data-filled journey, with a series of stories, as well insights from industry experts weaved in to make sure you don't get bored of their voices. Subscribe so you never miss an episode and leave a review on iTunes. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Frances Coyle, Jamie Smith, Jonathan Williams, Petrit Berisha, Ryan Garner, Simon Vans-Colina, and StJohn Deakins. Learn more about your ad choices. Visit megaphone.fm/adchoices

The first half of the show is dedicated to the Irish Funds London Alternative Investments Seminar where Pete sits down with Rupert Watson, the Head of Asset Allocation at Mercer, Emmett Kilduff, CEO and Founder of Eagle Alpha, and Breige Tinnelly, the Head of the UK business for AQMetrics. Next up is the panel at Calastone Connect London Forum, talking to Nigel Walsh, Partner at Deloitte as well as host of the InsurTech Insider podcast, Campbell Brierley, the Chief Innovation Officer at Calastone and Phil Clarke, Founder Partner at Hunch. All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode and leave a review on iTunes. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Breige Tinnelly, Campbell Brierley, Emmett Kilduff, Nigel Walsh, Pete Townsend, Philip Clarke, and Rupert Watson. Learn more about your ad choices. Visit megaphone.fm/adchoices

Laura Sarah and David sit down with Charlie Wood, Principal Consultant at Capco, and Simon Vans-Colina, Engineer at Monzo. Laura takes the panel through the latest interesting and in one case, bizarre, stories coming out from the fintech space. Including: Robinhood hits a bullseye, Monzo blocks gambling, and are Irish spies affecting mortgage brokers? All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode and leave a review on iTunes. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Charlie Wood and Simon Vans-Colina.Links: Santander to launch stand-alone UK digital bank HSBC’s new aggregator app was downloaded 13k times on the day it launched Robinhood scores $363m Series D Digital bank Monzo tackles gambling addiction head on Annual Fraudscape report reveals record number of identity frauds Irish bank caught in social media spying storm Britain’s first 100 per cent ‘born in the cloud’ bank celebrates Microsoft collaboration Morgan Stanley bets on Brazil’s fintech lending boom Volt Bank awarded Australia’s first new unrestricted banking license With less cash in circulation, Swedish thieves turn to wildlife trafficking Learn more about your ad choices. Visit megaphone.fm/adchoices

Sarah meets with Frederic Nze, CEO of Oakam, to discuss financial exclusion, doorstep lending, and the size of an almost hidden customerbase. We hope you enjoy the show! Don't forget to subscribe so you never miss an episode and if you really love us please leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News.Special Guest: Frederic Nze. Learn more about your ad choices. Visit megaphone.fm/adchoices

David chats to Alison Rose, CEO, Commercial and Private Banking RBS at their offices in London. She tells us all about her background, how she got into financial servi es, why she stayed in banking for 25 years and how the industry is always changing and challenging her. She talks about the positives of disruption and how much there is to learn; why humility is important; and how best to help customers through the changes facing them. They also spoke about being a woman in the industry, how she is a role model and a pioneering woman in banking at the peak of her career - how does she do it? Why is it important to have female role models in this industry, how important it is to her to be seen as a good female role model; how she achieves a good work/life balance as a working mum, and why it's so important but also so hard to address the gender imbalance in the industry and how, in her view, it needs to be addressed at all levels, not just the top. We hope you enjoy the show! Don't forget to subscribe so you never miss an episode and if you really love us please leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News.Special Guest: Alison Rose. Learn more about your ad choices. Visit megaphone.fm/adchoices

Sarah and Ross sit down with Daniel Hegarty, CEO and Co-Founder of Habito, and Nina Mohanty, Business Development at Bud. Sarah takes the panel through the latest interesting and divisive issues happening in the fintech space at the moment, including: Instagram's one stop shop, Microsoft's invoice innovation, and Google's uncanny AI. All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode and leave a review on iTunes. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.comSpecial Guests: Daniel Hegarty and Nina Mohanty.Links: Instagram quietly launches payments for commerce Microsoft Pay comes to Outlook, integrating Stripe, Braintree, Sage, Wave and more Google I/O: Listen in as Google’s AI assistant has phone conversations with real people - Recode iZettle to announce IPO plan early next week Klarna escalates its war on banks with a new consumer app - and upcoming payment card Virgin Money says CYBG has made takeover approach Facebook is launching a new team dedicated to the Blockchain. The Equifax security breach in 2017 was worse than we thought - Business Insider PayPal CEO Dan Schulman: In 20 Years "There Will Be No More Credit Cards" Google adds six new voices and John Legend to Assistant | TechCrunch Learn more about your ad choices. Visit megaphone.fm/adchoices

David meets with Group COO of HSBC, Andy Maguire to discuss: how digital banking is transforming the industry, HSBC's approach to innovation and fintechs, and how HSBC is reacting to blockchain. We hope you enjoy the show! Don't forget to subscribe so you never miss an episode and if you really love us please leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News.Special Guest: Andy Maguire. Learn more about your ad choices. Visit megaphone.fm/adchoices

In back to back interviews, David first meets with the CMO of VaynerMedia, Jeff Nicholson to discuss how VaynerMedia's different marketing style, how to measure brand impact, and his unique journey to the height of the brand. Simon then sits down with Head of VaynerSmart Patrick Givens to talk about voice marketing, marketing on the Internet of Things, and the future of audio. We hope you enjoy the show! Don't forget to subscribe so you never miss an episode and if you really love us please leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News.Special Guests: Jeff Nicholson and Patrick Givens. Learn more about your ad choices. Visit megaphone.fm/adchoices