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    Business

    Fintech Insider Podcast by 11:FS

    Where the best minds in financial services and banking talk all things fintech. Fintech Insider by 11:FS is a bi-weekly podcast dedicated to all things finance, banking, technology, and financial services. Our expert hosts, with real industry experience, are joined by the biggest decision-makers, VCs, and reporters from across financial services including guests from Visa, Nubank, M-Pesa, Techcrunch, Starling, and JP Morgan Chase to discuss the latest news, developments, and trends within the industry. Our weekly news show drops every Monday and tackles the biggest news stories, from acquisitions and launches, to regulatory changes and innovation. Then, every Friday our Insights show dives deeper into the hottest topics shaping the industry like web3 and BNPL. Whether you’re already immersed in the world of financial services, or just keen to learn more, this is the #1 podcast for you.

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    Latest Episodes:
    453. News: Can F2 solve Facebook’s problems & will Amex buy Kabbage? Aug 17, 2020
    Show notes

    Sam Maule 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 in the US and beyond.

    This week's guests include:

    • Rob Blackwell, Chief Content Officer of Promontory Network, Host of Banking with Interest podcast & former Editor-in-Chief of American Banker
    • Oscar Williams-Grut, Senior City Correspondent, Yahoo Finance UK

    We cover the following stories from the fintech and financial services space:

    • Facebook Financial Formed to Pursue Company’s Commerce Ambitions - 03:42
    • AmEx in Advanced Talks to Buy SoftBank-Backed Kabbage - 16:00
    • Robinhood Blows Past Rivals in Record Retail Trading Year - 27:04
    • Revolut's losses jump to £100m as business surges - 35:10
    • Payments giant Stripe poaches General Motors’ CFO in its latest high-profile hire - 43:11
    • Barclays being probed by UK privacy watchdog on accusations of spying on staff - 54:54

    *This podcast is brought to you by Jack Henry Digital * the pioneer and creator of personal digital banking that helps community financial institutions strategically differentiate their digital offerings from those of MegaBanks, BigTechs and FinTechs.

    So how do they do it? With the Banno Digital Platform—a complete, 100% API-enabled, open digital banking platform. You get beautiful, lightning-fast, native apps for your customers and members, and cloud-based, core-connected back office tools for your employees. You really have to see these products to fully understand the platform’s potential.

    Visit banno.com to schedule a demo.

    *Banking as a Service is deconstructing the banking stack.
    *
    It's enabling brands to embed finance more easily, and to tailor financial products to specific customer needs.
    This is presenting new opportunities for specialised providers and offers banks extra revenue streams.
    Download our report for a comprehensive, no BS view of what Banking as a Service is and what it means for the industry.

    Head to bit.ly/bankingasaservice.

    Listeners, we need you!
    If you listen to the show, whether this is your first episode, your 451st episode, or you dip in and out, we’d love it if you could take a few minutes to give us your feedback and suggestions to help shape the future of the show!

    Visit bit.ly/FintechInsiderSurvey and fill out the short survey.
    It shouldn’t take more than 5 mins to complete but it would mean so much to us.

    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 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 into subject matters such as APIs, AI or digital banking.

    If you enjoyed this episode, 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: Oscar Williams-Grut and Rob Blackwell.

    Learn more about your ad choices. Visit megaphone.fm/adchoices


    452. Insights: Banking as a Service - the tech behind fintech Aug 14, 2020
    Show notes

    Simon Taylor are joined by some great guests to dig into exactly what we think constitutes BaaS, and why it's a super hot industry right now that's a game changer for any brand wanting to offer financial services to their customer base.

    Guests this week are:

    • Joanne Dewar, CEO GPS
    • Mike Douglas, VP of Strategy at Galileo
    • Kate Moody, Customer Strategy Lead at 11:FS

    We cover: who is doing it and how; the impact of embedded finance; and what this could unlock for the future of Financial Services.

    *Banking as a Service is deconstructing the banking stack.
    *
    It's enabling brands to embed finance more easily, and to tailor financial products to specific customer needs.
    This is presenting new opportunities for specialised providers and offers banks extra revenue streams.
    Download our report for a comprehensive, no BS view of what Banking as a Service is and what it means for the industry.

    Head to bit.ly/bankingasaservice.

    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 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 into subject matters such as APIs, AI or digital banking.

    If you enjoyed this episode, 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: Joanne Dewar, Kate Moody, and Mike Douglas.

    Learn more about your ad choices. Visit megaphone.fm/adchoices


    451. News: Varo Money gets their charter & Google Pay's new banking partners Aug 10, 2020
    Show notes

    Ross Gallagher 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:

    • Philippa Girling, Chief Risk Officer, Varo Money
    • Emily Nicolle, Technology Editor, CityAM

    We cover the following stories from the fintech and financial services space:

    • Varo Money granted national bank charter - 02:32
    • Google to offer co-branded accounts with eight US banks - and we spoke to Shayan Khwaja, Head of Partnerships Program at BBVA US, one of the brands partnering with Google - 15:32
    • Monzo announces concerns over its future with its annual report while Starling's paints a more positive picture - 30:02
    • HSBC profits plunge 96% as loan-loss provisions jump on coronavirus - 40:00
    • Apple Buys Startup to Turn iPhones Into Payment Terminals - 48:14
    • Wirecard processed payments for mafia-linked casino 01:01:05

    Don't forget to check out our brand new research report identifying exactly how Banking as a Service is deconstructing the banking stack.
    It's enabling brands to embed finance more easily, and to tailor financial products to specific customer needs.
    This is presenting new opportunities for specialised providers and offers banks extra revenue streams.
    Download our report for a comprehensive, no BS view of what Banking as a Service is and what it means for the industry.

    Head to bit.ly/bankingasaservice

    Listeners, we meed you!
    If you listen to the show, whether this is your first episode, your 451st episode, or you dip in and out, we’d love it if you could take a few minutes to give us your feedback and suggestions to help shape the future of the show!

    Visit bit.ly/FintechInsiderSurvey and fill out the short survey.
    It shouldn’t take more than 5 mins to complete but it would mean so much to us.

    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 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 into subject matters such as APIs, AI or digital banking.

    If you enjoyed this episode, 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, Philippa Girling, and Shayan Khwaja.

    Learn more about your ad choices. Visit megaphone.fm/adchoices


    450. Insights: The rise of Australian digital banking Aug 06, 2020
    Show notes

    In this week's Insights show, Simon Taylor is joined by a panel of great guests to talk all about digital banking in the Asia Pacific region. With a special focus on Australia, Simon and guests take a look at how far the industry has come, competition from Australia's 'big four' incumbents, and what the future holds for digital banks in the region. To help explore this topic, this week's guests include:

    • Van Le - Co-Founder, Xinja Bank
    • Stuart Houston - Financial Services Industry Lead, Google Cloud
    • Dexter Cousins - Host, Fintech Australia podcast & Founder and Managing Director, Tier One People

    Banking as a Service is deconstructing the banking stack.
    It's enabling brands to embed finance more easily, and to tailor financial products to specific customer needs.
    This is presenting new opportunities for specialised providers and offers banks extra revenue streams.
    Download our report for a comprehensive, no BS view of what Banking as a Service is and what it means for the industry.

    Head to bit.ly/bankingasaservice.

    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 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 into subject matters such as APIs, AI or digital banking.

    If you enjoyed this episode, 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: Dexter Cousins, Stuart Houston , and Van Le .

    Learn more about your ad choices. Visit megaphone.fm/adchoices


    449. News: Can fintech fast track our economic recovery? Aug 03, 2020
    Show notes

    Simon and Sarah, 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:

    • Charlotte Crosswell, CEO, Innovate Finance
    • Viktor Nebehaj, CMO and co-founder, Freetrade

    We cover the following stories from the fintech and financial services space:

    • Fintech industry “firing on all cylinders” despite VC investment in UK fintechs down 39%
    • Barclays profit halves as it sets aside another £1.6bn to cover COVID-19 losses
    • Inside Britain's pandemic-era amateur investment boom
    • Moneybox crowd funds £4M in 4 hours - and we hear from their co-founder Ben Stanway to tell us what this means for the future of Moneybox
    • JPMorgan Chase partners with Marqeta to launch 'virtual' credit cards - and we spoke to Omri Dahan, Chief Revenue Officer at Marqeta to get their perspective on this.
    • And finally: Antchain, a blockchain project under Ant financial group, hired a seniors citizens choir to perform a bespoke promo song, while dressed as ants.

    Don't forget to check out our brand new research report identifying exactly how Banking as a Service is deconstructing the banking stack.
    It's enabling brands to embed finance more easily, and to tailor financial products to specific customer needs.
    This is presenting new opportunities for specialised providers and offers banks extra revenue streams.
    Download our report for a comprehensive, no BS view of what Banking as a Service is and what it means for the industry.

    Head to bit.ly/bankingasaservice. (specify link is all lower case)

    If you listen to the show, whether this is your first episode, your 449th episode, or you dip in and out, we’d love it if you could take a few minutes to give us your feedback and suggestions to help shape the future of the show!

    Visit bit.ly/FintechInsiderSurvey and fill out the short survey.
    It shouldn’t take more than 5 mins to complete but it would mean so much to us.

    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 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 into subject matters such as APIs, AI or digital banking.

    If you enjoyed this episode, 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: Ben Stanway, Charlotte Crosswell, Omri Dahan, and Viktor Nebehaj.

    Learn more about your ad choices. Visit megaphone.fm/adchoices


    448. Insights: Do we still need bank branches? Jul 31, 2020
    Show notes

    Our expert host Simon Taylor is joined by some great guests to talk about the digitalisation of banking we've seen over the last few months and what this might mean for the future of bank branches. Banks around the world have for some time reduced the amount of bank branches available for customers, and during COVID-19 all banks were forced to shut their branches and adopt a truly digital way of working. But what will happen when we are past this?

    Joining us this week are:

    • Stephen Dury - Director of Innovation at Santander UK
    • Stuart Sopp - CEO of Current
    • Keith Brannan - Chief Marketing Officer at Kasasa
    • Kate Moody - Senior Customer and Product Lead at 11:FS

    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 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 into subject matters such as APIs, AI or digital banking.

    If you enjoyed this episode, 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: Kate Moody, Keith Brannan, Stephen Dury, and Stuart Sopp.

    Learn more about your ad choices. Visit megaphone.fm/adchoices


    447. News: Can finance ever be fully democratised? Jul 27, 2020
    Show notes

    Simon and Ross 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:

    • Alex Marsh, Senior Analytics Director at Klarna
    • Anna Irrera, Fintech reporter, Reuters

    We cover the following stories from the fintech and financial services space:

    • Robinhood scraps UK launch amid mounting scrutiny of trading platform (1:16)
    • Klarna: We tightened our lending in lockdown (16:36)
    • Monzo (re)launch Monzo Plus (29:28)
    • Goldman and Mastercard invest in Bond (40:19)
    • UK Government kicks off fintech review and we hear from the Economic Secretary to the Treasury (51:02)
    • Missing Wirecard exec Marsalek under protection of GRU in Moscow (1:01:35)

    Fintech Insider listeners, we need you!

    We’d love it if you could take a few minutes to give us your feedback and suggestions to help shape the future of the show!

    To help us out, please visit bit.ly/FintechInsiderSurvey to take a short survey.

    It shouldn’t take more than 5 mins to complete but it would mean so much to us.

    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 into subject matters such as APIs, AI or digital banking.

    If you enjoyed this episode, 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 Marsh and Anna Irrera.

    Learn more about your ad choices. Visit megaphone.fm/adchoices


    446. Insights: Digital Payments Innovation: Is this the end of cash? Jul 24, 2020
    Show notes

    Sarah Kocianski is joined by a fantastic panel of guests to discuss digital payments innovation the global shift away from cash. Here to discuss the matter are:

    • Jennifer Duncan - Vice President of Global Government Innovation at Mastercard
    • Chirag Patel - Global Head of Payments at Santander
    • Mario Shiliashki - CEO of Payments at PayU

    Even before the pandemic, the use of cash was on the decline. Countries like the UK and Sweden were already heading towards cashless futures, and the current pandemic has only accelerated the global shift away from cash and move towards digital payments solutions. Whilst the jury is still out on whether cash is truly a transmitter of the virus, on this week's Insights show we dive into the various ways digital payments have been advancing across the world and the wider implications that come along with it. What will a move to a cashless society mean for financial inclusion? What are the potential repercussions in terms of data and privacy? And what are the risks when big tech enters the payments and personal finance markets?

    Tune in to hear the discussion around these questions and much more!

    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 into subject matters such as APIs, AI or digital banking.

    If you enjoyed this episode, 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: Chirag Patel, Jennifer Duncan , and Mario Shiliashki.

    Learn more about your ad choices. Visit megaphone.fm/adchoices


    445. News: Winners and losers in US banks’ results; SoFi’s charter and Marqeta’s IPO Jul 20, 2020
    Show notes

    Sam Maule and Jason Bates, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the US in the past week. This week's guests include:

    • Nick Sando, Fintech investor at Octopus Ventures
    • Krystal Hu, M&A Reporter, Reuters

    We cover the following stories from the fintech and financial services space:

    • US bank results are in: and trading helps mask significant problems (01:56)
    • Marqeta eyes IPO (16:50)
    • SoFi files banking charter application with OCC (28:52)
    • Robinhood’s raises (again) and reaches a new valuation (36:25)
    • Fintech startup Lanistar raises £15 million to earn a £150M valuation (44:45)
    • Your weekly Wirecard roundup (57:09)

    *This podcast is brought to you by Jack Henry Digital * the pioneer and creator of personal digital banking that helps community financial institutions strategically differentiate their digital offerings from those of MegaBanks, BigTechs and FinTechs.

    So how do they do it? With the Banno Digital Platform—a complete, 100% API-enabled, open digital banking platform. You get beautiful, lightning-fast, native apps for your customers and members, and cloud-based, core-connected back office tools for your employees. You really have to see these products to fully understand the platform’s potential.

    Visit banno.com to schedule a demo.

    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 into subject matters such as APIs, AI or digital banking.

    If you enjoyed this episode, 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: Krystal Hu and Nick Sando.

    Learn more about your ad choices. Visit megaphone.fm/adchoices


    444. Insights: African fintechs: transforming the continent's financial landscape Jul 17, 2020
    Show notes

    Simon Taylor is joined by a fantastic panel of guests to discuss the transformation of finance in Africa and how fintechs are building up the industry. Here to discuss the matter are:

    • Benjamin Fernandes - CEO, NALA
    • Fara Ashiru Jituboh - Co-Founder & CEO/CTO, Okra
    • Akeem Lawal - Divisional Chief Executive Officer for Transaction Processing and Enablement Business, Interswitch

    In the past couple of decades, the introduction of mobile money, digital payments channels and APIs has started to reshape finance in the world’s youngest and fastest-growing continent. Focusing on East and West sub-Saharan Africa, in this show, Simon and guests discuss the concept of "leap-frogging", growing foreign interest in the African fintech market, and the implications and limitations of Africa's financial revolution for everyday people. Moreover, as the continent makes greater strides towards a digital financial future, who is still left out and what more can be done to ensure fair and equal access to the financial system?

    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 into subject matters such as APIs, AI or digital banking.

    If you enjoyed this episode, 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: Akeem Lawal, Benjamin Fernandes , and Fara Ashiru Jituboh.

    Learn more about your ad choices. Visit megaphone.fm/adchoices


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