Fintech Insider Podcast by 11:FS

Latest Episodes:

Ep. 157. Fintech Insider LIVE from OP's Beach Party in Helsinki Dec 04, 2017

Show notes

This week's very special show was recorded live at a beach party in Helsinki (no, really), hosted by Finnish bank, OP.

Jason, Simon and Sam bring you three shows in one, as we host an insights panel around the relationships between fintechs and incumbents in Scandianavia, the rise of fintech in the Nordics in particular, why payments are the most popular segment for disruption, and the rise of cashlessness in the region. The panel is made up of Finnish fintech experts, Antti-Jussi Suominen, CEO of Holvi; Jani Tierala, VP of Product at Zervant; banking and innovation expert, Marisol Menendez, Head of Innovation at BBVA and Jamie Campbell from growing UK fintech, Bud.

We also have fantastic thought pieces from Mark Pettit from Visa, Jitendra Kavethekar from Accenture, and Tashi Sylten from Tink Technology as well as interviews with Tuomas Toivenen, co-founder of Holvi and our host for the evening, Kristian Luoma, Head of OP Lab and the reason we got the opportunity to put on this amazing show.
It was an awesome party, complete with cocktails in coconuts, plenty of sand, an actual boat and Pineapple Pay! We were very privileged to be part of it.

Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes and make sure you check our YouTube channel for exclusive content.
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: Antti-Jussi Suominen, Jamie Campbell, Jani Tierala, Jitendra Kavathekar, Kristian Luoma, Marisol Menendez, Mark Pettit, Tashi Sylten, and Tuomas Toivonen.

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Insurtech Insider - Ep. 5: Insurance as a platform Dec 01, 2017

Show notes

David is joined by Sarah Kocianski and James York to discuss insurance as a platform.

First up, James talks us through the Worry+Peace origin story, including his background in insurance, and why he strove to not take funding as the company found its feet. He also talks about why insurance is a slightly unique market, and why that warrants a different approach.

The guys take on the topic of "insurance as a platform" (with air quotes) - a "trifle of potential platforms". What is it and why has it come about? And if platforms are to take control of the customer relationship, what does that mean for the big players?

Plus, as big insurers come to terms with the wealth of data at their disposal, how might they incorporate AI to change the way that data is used? And what's the role of the highstreet in the distribution of insurance?

The guys talk discuss the structure of the insurance industry, and why the platform plays the good cop while the underwriter plays the bad cop.

Onto the news, where we tackle whether the insurance gap penalises poor households, whether big insurers are ready for the General Data Protection Regulation (GDPR), and why Amazon might pose a very real threat to incumbents.

And finally, a guest appearance from Simon Taylor as he talks to Sascha Wischek, founder and CEO of Fjuul, an app-based fitness tool, about fitness tools, Fjuul points and the power of customer data to drive healthy outcomes.

Enjoying InsurTech Insider? Tell a friend about us, get in touch at podcasts@11fs.com or on Twitter @InstechInsiders, and please leave us a review on iTunes.

Special Guests: James York, Sarah Kocianski, and Sascha Wischek.

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Ep. 156. News: Growing through pain Nov 27, 2017

Show notes

In this episode, Ali Paterson, Editor of Fintech Finance; Valentina Kristensen, Head of Marketing & PR at Oak North; & Tanya Andreasyan, Editor of Banking Technology join hosts David, Jason and Simon to discuss the last week's news including:

Uber's data hack and alleged payoff to the hackers to delete the data; BBVA's iris scanner for mobile phone security which opens up a debate about biometrics and security overall; and as Garmin kick off contactless payments in their watches, it kicks off in the room about card payments vs smart payments, Jason is adamant that card payments are not broken and vetoes similar stories in future.

Also, as Tencent's valuation overtakes Facebook for the first time, they discuss the contest between Tencent and Alibaba as well as its competition around the world - is Tencent a threat to the west?

They also take on the Revolut founder's latest statements around how he hires and his expectations in the work place - causing a diatribe from Valentina attacking these sentiments that earns a round of applause in the room.

They also cover: EU Passporting as Starling is accepted into the EU payments system, Barnier says Brexit could cause UK banks to lose their passports, Atom's latest fund raising and Curve makes its bank cards available to all.

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: Ali Paterson, Tanya Andreasyan, and Valentina Kristensen.

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Ep. 155. Insights: New ways of working Nov 24, 2017

Show notes

Today, David is joined by Andy Ellis, Head of Strategy & Innovation at RBS; Tunde Olanrewaju, Senior Partner at McKinsey; and Peter Ryan-Bell, Head of Sector and Specialist Businesses at RBS, recording live from the Tavern Stand at Lords Cricket Ground to talk about new ways of working.

The guys discuss how working practices are changing, and the things they're having to do to keep up, and the impact this has had on partnerships. What are the best hiring practices and how can you build the best team possible?

As the narrative has shifted to big firms that want a more digital and agile workforce, how can this be achieved with a workforce of tens of thousands? Plus, what's the changing nature of procurement and what's the importance of collaboration styles?

And of course, we ask the million dollar question - how can firms make innovation an integral part of the way they work?

We also learn about "fin-ology" and why it's important in the modern workplace. Plus, how to foster a decision-making culture and how a "free to think" session might help move your team forwards.

We hope you enjoy the show - don't forget to subscribe so you never miss an episode, and we'd also love it if you could leave us a review on iTunes! Get in touch at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook.

Special Guests: Andrew Ellis, Peter Ryan-Bell, and Tunde Olanrewaju.

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Ep. 154. News: Winefield Nov 20, 2017

Show notes

In our first all female episode, Sarah Kocianski takes the lead alongside Fiserv's Anna Bennett, Bud's Nina Mohanty, Girl Disrupted Liz Lumley and Innovate Finance's Sophie Winwood, to go through the top stories from the world of fintech and financial services in the last seven days.

Kicking off with the US' first new payment system in 40 years that seemed slightly underwhelming, especially when compared with Alibaba's spending record on China's Singles Day.
They also take on the new AI chatbot from Standard Chartered and whether or not the Apple FaceID hack was or wasn't a hoax, and are bankers right to feel sorry for millennials - and what are they going to do about it if they are?

They also discuss Zimbabwe's lack of currency and huge bitcoin surges following the deposition of Robert Mugabe, a new bank card for spending bitcoin and ethereum; how banks such as Monzo stand to make money in the wake of open banking - and finally is it right that David Davis has promised bankers special travel rights in the wake of Brexit?

Special Guests: Anna Bennett, Liz Lumley, Nina Mohanty, Sarah Kocianski, and Sophie Winwood.

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Ep. 153. Insights: The future of banking and disruption Nov 17, 2017

Show notes

Welcome to this week's Insider show, where Simon hosts a panel on the future of banking, featuring Marko Wenthin, co-founder of solarisBank; Leanne Kemp, founder and CEO at Everledger; and Elena Alfaro, Global Head of Data at BBVA.

Before getting stuck in to the detail, our expert panel discuss the current situation in banking. What are the biggest challenges and why hasn't banking kept up with the pace of technological change and the change in customer behaviour?

How are banks learning to respond to the pace of change, and why shouldn't we just focus on digitising but being truly digital? The panel also explores the evolution of the customer journey and the importance of understanding the customer context. And Elena discusses how data might unlock a truly personalised process.

Leanne delves into the importance of understanding your processes and your customers, and Marko talks about his approach to customer data. And we discuss whether machines can ever replace people in customer interactions, or whether customers will always favour a human touch.

Finally, what does the future hold for banking? What might the customer relationship look like, and who will own it? And how will we be using data and analytics? Listen in to find out!

We hope you're enjoying the show - don't forget to subscribe so you never miss an episode, and we'd also love it if you could leave us a review on iTunes! Get in touch at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook.

Special Guests: Elena Alfaro, Leanne Kemp, and Marko Wenthin.

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Ep. 152. News: High Rate of Return Nov 13, 2017

Show notes

In this episode Caroline, Pete and the guys break down a trilogy of P2P payment stories featuring Facebook, Apple and... Walmart? Meanwhile Square's Jack Dorsey is frustrated by the time it takes to get a banking license and Deutsche Bank signals the end of fiat money as we know it.

The second half of the show is almost entirely devoted to challenger banks as there were so many in the news this week! First up, Revolut apply for a European banking licence ahead of the Brexit agreements in order to not lose access to the European market, whereas N26 announce their plans to launch in the UK in 2018 with or without Brexit.

Monzo raises another £71M in VC investment while its rival Starling becomes the first mobile only bank to connect with Yolt, and ASOS and Klarna team up for a buy now pay later scheme that had a lot of people talking about whether its actually beneficial for consumers and will it ultimately cost them more in the long run?

Finally, rounding out the show is the news that Snoop Dogg's VC firm is backing a cannabis lab-testing company, ahead of the recreational cannabis market in California opening in 2018 - has he dropped this (like it's hot) just at the right time, and is he expecting a high rate of return?! All this and more in today's news show!

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: Caroline Plumb and Pete Townsend.

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Ep. 151. Interview: Amber Baldet Nov 10, 2017

Show notes

We have a fascinating interview for you this week as Sam talks to Amber Baldet, who leads the J.P Morgan team developing Quorum, the open source code based on Ethereum that's designed to address the challenges of blockchain adoption in financial services.

We hear how Amber and the team have approached developing an open source code base from a highly regulated institution and how they've approached the blockchain community.

We also talk about the importance of a transformation agenda and getting to the heart of clients' pain points. Plus, where does Amber rub shoulders with Vitalik Buterin and Brian Armstrong?

Amber explains how and why "actual adoption of projects is what we really need what it comes to blockchain right now."

So what distinguishes DLT from machine learning, AI and data science, and why are network coordination and marketplace understanding so important?

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 Guest: Amber Baldet.

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Ep. 150. Fintech Insider: After Dark II Nov 06, 2017

Show notes

Welcome to an extra special episode of Fintech Insider - our 150th episode and it's a Halloween-themed show recorded in front of a live studio audience at our home in WeWork, London. Simon, David and Jason are joined by Valentina Kristensen, Head of Marketing at Oak North; Charlie Wood from Capco; Monty Munford, Journalist for titles such as Forbes, The Telegraph, The BBC and The Economist; and Jeremy Burge, the founder of Emojipedia.

Straight on to the news and the guys discuss why Monzo has become a chat up line in London's bars and how maybe it's all to do with their sense of community. Plus, Britain's fintech boom has pushed finance trademarks to a record high. So where will new fintech company names come from?

With reports this week that people trust Amazon almost as much as they trust their bank, we discuss just how close tech firms have got with their customers, and what that might mean for banking in future. Find out who our live audience trusts most. After Dark wasn't going to pass without talking about ICOs - so do they meet William Bernstein's four criteria for a 'bubble'?

No live recording is complete without a good feature, so we have a bit of audience participation in Trick or Treat: Celebrity ICO & crypto endorsements, including Bono, Dwayne "The Rock" Johnson, and many more. Plus, the hotly anticipated return of the Fintech Wall of Emoji, introduced by the authority on Emoji interpretation, and Chief Emoji Officer, Jeremy Burge, and featuring Jamie Dimon vs bitcoin, iPhone X and "being the Uber of...".

The guys also discuss SMBs; gender equality in banking and further afield; the Uber credit card; and Amazon Alexa's rib-tickling sense of humour.

We had a fantastic night an we hope you did too - thanks to everyone who came to party with us, you made the night.

Hope you enjoy the show and don't forget to leave us a review on iTunes! Let us know your thoughts @FintechInsiders or find us at podcasts@11fs.com.

Special Guests: Charlie Wood, Monty Munford, and Valentina Kristensen.

Links:

The bank that's apparently so cool it has become a chat up line in London's bars

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Ep. 149. Interview: Liesbeth Rigter, MoneYou & Eric Mouilleron, Bankable Nov 04, 2017

Show notes

This week David talks to Liesbeth about MoneYou, an online European retail bank and subsidiary of ABN Amro. We hear the MoneYou story, including its innovative roots in mortgages and how they added more products and services to evolve with customers across the Netherlands, Belgium, Austria and Germany.

Liesbeth explains MoneYou's the importance of their pioneering mentality and their target market, including their focus on empowering customers to be in control of their finances. Plus, how MoneYou engage with millennials to shape their products.

David and Liesbeth are joined by Eric to explore the partnership between MoneYou and Bankable. We learn about Bankable's vision to create digital subsidiaries and why they're perceived as the friendliest fintech for incumbents.

So how have MoneYou and Bankable made innovation a part of their identity? We also discuss how the best way to compete is to focus on your customers instead of competitors. And what does the future hold for Bankable?

Plus: number one productivity tips (should it really be ctrl+A and delete?); the power of saying no; how to build superstar teams and keep them motivated; the strength of diversity; and best career advice.

Hope you enjoy the show and don't forget to leave us a review on iTunes! Let us know your thoughts @FintechInsiders or find us at podcasts@11fs.com.

Special Guests: Eric Mouilleron and Liesbeth Rigter.

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