Fintech Insider Podcast by 11:FS

Chris Skinner has a blog many of you are sure to know at www.thefinanser.com, it’s packed full of great insights into the financial world. He’s also 11FS’ very own advisor to special projects. Chris is Chair of the European networking forum: the Financial Services Club. He is on the Advisory Boards of many companies including Innovate Finance, Moven and Meniga. The big topic of his upcoming new book is Humanity’s Fourth Revolution and the next generation of finance. How it’s happening right now and soon 4.5 billion more people will be able to access banking services. Digital Humans exist on a Connected Planet, they discuss how those who pay the most to move money often have the least and how this is changing through connectivity. Star Wars vs Star Trek. In an unusual turn for Fintech Insider Chris and David discuss which one's more likely in the future, with a financial twist of course. What are Western companies missing out on and what can they learn from the East and the developing world on financial inclusion and accessibility? They take a close look at Ant Financial, their leap forward to fifth generation architecture and why regenerating every few years works. Are Fintechs just making faster horses? Does it work and should companies be creating something new? 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: Chris Skinner. Learn more about your ad choices. Visit megaphone.fm/adchoices

Cruxy&Co's Alexandra Cheung and Capco's Charlie Wood joined David, Jason and Ross to go through this week's top stories in UK fintech and banking and around the world. We kick off with a slew of UK fintech stories, including Starling's launch of cross border payments, and also highlighting their research into "everyday sexism" into financial services marketing which was picked up by the mainstream media. Are we blind to everyday sexism? David says yes, Alexandra says no. We move on to a report by the inimitable Sarah Kocianski on the state of neo banks and how fintechs might have to try harder than before to keep their customers happy. Next up they discuss HSBC's proposed app to take advantage of Open Banking, and Tandem's purchase of Pariti. In the second half of the show we talk tech giants, as Google claim they want to be bank's friends not their rivals .- but do our panel believe them? - Google ban of crypto ads, Square's monumental share increase possibly as a result of embracing bitcoin, Amazon's e-commerce debit in Mexico to encourage shoppers without debit cards to use their services and Tim Berners-Lee's condemnation of the tech giants as exploiting people's data. And finally - in an incredible marketing move, Standard Chartered hires Ivory Coast mega star Didier Drogba as their first customer for their Ivory Coast online bank. All this and more in this week's news show! 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: Alexandra Cheung and Charlie Wood. Learn more about your ad choices. Visit megaphone.fm/adchoices

Aneesh founded Aire in January 2014, inspired by his inability to access credit as a migrant in London. Aneesh has a background in risk (Morgan Stanley), analytics (Credit Suisse) and M&A (J.P. Morgan). In 2008, Aneesh founded FabriQate, a mobile customer experience engine helping clients to predict user behaviour. Aire are researching and building a new credit algorithm that helps customers to access an alternative credit score. The app tackles financial inclusion by aiming to provide credit access for customers who are unable to build a credit score. Simon asked Aneesh how their credit model uses alternative data and what their sources are. They also discussed their ambitious long term strategy - to change the way we look at credit and ensure everyone has appropriate access to credit - but how do they go about achieving such a huge aim? Aneesh also talks us through some of their research projects and collaborations. The big topic is also financial inclusion and Aneesh tells us why that's so close to his heart and what other social issues technology will affect in the coming months and years. 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. Learn more about your ad choices. Visit megaphone.fm/adchoices

Kicking off with the biggest news, we talked about the gender pay gap, who has 'fessed up and who hasn't, why the disparity in earnings is no great surprise, and what can be done to improve diversity in all its forms across the industry. We also discuss why women are put off tech careers before they even leave school (and why Reddit isn't the most scientific way to collect data), why female tech role models are desperately needed, why enthusiasm for app-only banks is on the wane, Monzo's marketplace launch in beta, and what Atom will do with their latest round of funding. Next up are the two biggest Amazon stories of the week - their proposed plans for a checking account product with either JPMorgan or CapitalOne and Jeff Bezos' refusal to lose India, having conceded China to Alibaba. We also have a mini section on corporate social responsibility as Nuns (and other trading bodies) call out unethical practices at WellsFargo, and Kabbage take a strong stand in the light of the tragiv Parkland shootings. And finally, in the sillier part of the show we take a look at Xinja's glow in the dark payment cards, and Donorfy's GDFR playlist - is it (in REM's words) The End of the World As We Know It? 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: Caroline Plumb, Laurel Wolfe, Sarah Kocianski, and Veronique Constans.Links: Investment banks face fury over gender pay gap Barclays's gender pay gap sees women earning 43.5 per cent less than men FinTech Parity Pledge – Making FinTech better, one step at a time Royal Bank of Scotland reveals 37% gender pay gap Financial services among worst for UK gender pay gap  Lloyds Bank has published its gender pay gap with women earning 33 per cent less than men | City A.M. Survey Reveals Women Put Off Tech by Age 15 Brits are souring on app-only startup banks Monzo launches their marketplace in beta Atom bank raises £149m in latest fundraising round After Losing China, Jeff Bezos Really Wants to Win in India Catholic nuns push Wells Fargo to identify ‘root causes’ of scandals Lender Kabbage responds to Parkland shooting with donations, a walkout & ending business with manufacturers & suppliers of firearms OMG Xinja has glow in the dark cards New GDPR Spotify playlist is music to data protection officers’ ears Learn more about your ad choices. Visit megaphone.fm/adchoices

First up, Laura talked to Rachel Kent about her background and how she's got the position she's in. How has she overcome any restricting factors in a typically male dominated industry? Why is it so important to highlight the contributions for women in this industry? What's the future for women in this industry? Next up, Wendy Jephson joins to talk through what makes Sybenetix so special and why she decided to create this company. What gap did she look to fill in the market? We also talked through Wendy's past, particularly her background in law and psychology, more specifically how this breadth has helped her in this industry. Sophie Bialaszewski was next to give the lowdown on her career! We talk through how she broke into finance and how people actually innovate. How hard is it to instil a culture which promotes innovation? Min Teo was next up to reveal all to Laura, going through the ins and outs of the fascinating business that is 'Yo-yo wallet'. What's the future like for women in Fintech? Last but not least, Adizah Tejani talks through her background and how she got involved with Token. What does the future of Fintech look like and how did you market Token? We hope you enjoy the show and don't forget to 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: Adizah Tejani, Min Teo, Rachel Kent, Sophie Bialaszewski, and Wendy Jephson. Learn more about your ad choices. Visit megaphone.fm/adchoices

With Ross Gallagher in the host's seat for the very first time, he led co-host Simon Taylor, Nina Mohanty, Doug Bobenhouse and Valentina Kristensen to take a look at the week's top stories. We kicked off with news that research from Cedr and Trustpilot discovered a way for open banking to pump £1bn into the UK economy. This is obviously great news but is dependent on customers fully adopting the opportunities Open Banking offers and begin sharing their data. The next three stories surround digital banking and new propositions as Lloyds announce plans for a £3bn digital transformation of their services over 3 years (not so long after their last 3 year transformation plan). Hot on their heels is Virgin Money's less pricey but not insignificant £38.3 million investment in a digital bank, which is disparaged by our team as being "just an app" (so far) and "putting lipstick on a pig". Finally there's easyJet CEO launching easyMoney, but kicking off with just an ISA, as the first of several products. Again the team is not impressed, and thinks they could've tried harder. Next up we discuss New York's commitment to fighting cyber crime and the shocking news that previously cyber crime crackdowns had only been voluntary and on a state by state basis, only now the US is cracking down but not, as lamented by Nina, at a federal level. The team also discuss Square continuing to support bitcoin, N26 continuing to grow exponentially, GoHenry teaching kids how to earn and save, contactless cards embedded in coats for the homeless in Amsterdam, and 50 Cent's insistence that he never owned any bitcoin - despite previously claiming to have earned $8million in bitcoin for the sale of his last album - our team have 21 Questions for him on this one. We hope you enjoy the show and don't forget to 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: Doug Bobenhouse, Nina Mohanty, and Valentina Kristensen. Learn more about your ad choices. Visit megaphone.fm/adchoices

In the next 5 years we're going to see Data commoditised and in an era where data sovereignty is going to be come more prominent, how to large companies use this to create more customer centric products. Many would say data is going to become digital oil, but should it be seen as digital water? Something everyone (should) have access to? BrainTribe aim to create an open source operating system for data and Stefan Ebner explains how their clients use said data to improve their business models. How is it open source? What are data lakes? How much does efficient use of data improve companies? Find out the answer to all of this and more in this interview! Hope you enjoy the show and don't forget to 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: Stefan Ebner. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we’re bringing you an insights show with a difference. A couple of months ago our 11:FS CEO David Brear was invited to be a judge of Tech City UK’s Fintech for All competition. This was a nationwide competition in 2017 to find fintech startups that make financial services work for everyone. As well as some fantastic entrants and eventual winners, this event got us thinking about the wider implications of financial inclusion. Therefore we felt we really needed to do a podcast to delve into the issues raised.and what this competition really highlighted, and how best the problems of financial inclusion and serving the underbanked can be solved in the UK. Joining us we had both the Tech City UK team behind the event and also an event sponsor and an event winner: Gregoire Michel - Senior Program Manager at Tech City UK Miles Debrah - Evaluation Grant Manager at Money Advice Service Virraj Jatania - CEO & Co-founder, Pockit We hope you enjoy the show - spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook.Special Guests: Gregoire Michel, Miles Debrah, and Virraj Jatania. Learn more about your ad choices. Visit megaphone.fm/adchoices

Walking on to Barry White blaring out over the sound system, Jason and Simon kicked off After Dark IV, the Valentine's Day special - our biggest ever live After Dark show at WeWork Moorgate. With over 300 fintech fans in attendance, the guys introduced a fantastic panel of guests including Valentina Kristensen, Head of Marketing at Oak North; 11:FS Pulse and Research Director, Ross Gallagher; our most prolific podcast guest, co-host of InsurTech Insider, Business Insider analyst and reporter, Sarah Kocianski, and HSBC’s Global Head of Corporate and Institutional Digital, Niall Cameron. Fully provisioned with alcohol and a wealth of terrible Valentine's day puns the panel were all set to unpick the week's top (and often sillier) stories. We kicked off with the news that venture capital investment into fintech more than doubles, according to Innovate Finance reports; next up we have a swathe of Blockchain Insider stories starting with Jay Z’s Roc Nation investment in Robin Hood, and France and Germany's call for regulation of crypto at the G20. We also touched on an InsurTech story as Uber and Waymo settle their divorce with a $245 million settlement over self-driving-car trade secrets. In part two we cover, Monzo goes stateside as Tom Blomfield hints are early plans for US expansion; Monese goes intergalactic, in a clever piece of PR to celebrate a successful launch for SpaceX’s Falcon Heavy, they have opened the queue for a banking service available on Mars; Alibaba does a thing as Ant Financial seeks $5bn in funding ahead of IPO which will make them the world's biggest unicorn, ahead of Uber. We also play a game with our audience asking who said what? as we read out quotes from execs who denied innovation, even as it was happening around them - test your knowledge and see if you can beat our audience! Thanks to everyone who came on the night - stay tuned for After Dark V! Hope you enjoy the show and don't forget to 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: Niall Cameron, Sarah Kocianski, and Valentina Kristensen.Links: Venture investment in UK fintech more than doubles Backing Robinhood, JAY-Z’s Roc Nation invests in would-be Rockefellers | TechCrunch France, Germany call for joint G20 action on cryptocurrencies Uber settles with Waymo in self-driving-technology lawsuit - Business Insider App-only bank Monzo looks to expand into US Monese takes a giant leap forward, to create the first Interplanetary Banking Service | Fintech Finance Ant Financial seeks $5bn in funding ahead of IPO Foot In Mouth: 42 Quotes From Big Corporate Execs Who Laughed Off Disruption When It Hit Noel Edmonds takes on Lloyds Bank with new radio station A bizarre video has emerged of a former Goldman Sachs boss bench-pressing his wife Learn more about your ad choices. Visit megaphone.fm/adchoices

In this very special FCA Takeover Jason speaks to: Anna Wallace - Innovate Head of Department and Nick Cook - Head of Regtech & Advanced Analytics all about Project Innovate and future plans for the sandbox following Chris Woolard's announcement, interview and paper earlier in the week. (For more info on that, check out Ep 182 of Fintech Insider where Jason got the scoop). Next up he and Simon talk PSD2 and Open Banking with Graeme McLean - head of banking and lending policy; and Val Smith - Director of Credit Authorisations. They chat about the successes of Open Banking so far, what could've been better and what the future looks like. And we also had the chance to talk about the FCA’s Competition remit with Mary Starks - Director of Competition and Chief Economist. We hope you enjoy the show - spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook.Special Guests: Anna Wallace, Graeme McLean, Mary Starks, Nick Cook, and Val Smith. Learn more about your ad choices. Visit megaphone.fm/adchoices