Podcast
Fintech Insider Podcast by 11:FS
Hosted by 11:FS · EN
Fintech Insider is your ultimate guide to the world of finance and fintech from 11:FS - the leading independent fintech consultancy, recognised six 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.
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75episodes
Episodes
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1037. Insights: Shaping safe AI innovation - Live from the FCA’s Supercharged Sandbox Showcase
Feb 1200:52:50Tap to summarizeAbout this episode: In this special live edition of Fintech Insider Insights, recorded at the FCA’s Supercharged Sandbox Showcase, David M. Brear is joined by leaders from the regulator, industry and the technology ecosystem to unpack the UK’s first AI-focused regulatory sandbox. The FCA has long been a global pioneer in regulatory sandboxes - but why launch a dedicated AI Supercharged Sandbox now? What problems is it solving? And what does it take to safely test AI in financial services before releasing it into the real world? Tune in to find out! This week’s guests: Oli Platt - Head of Client Solutions at NayaOne Matt Lowe - Innovation Manager at FCA Janet Bastiman - Chief Data Scientist at Napier AI Links to check out: After Dark tickets Join our WhatsApp community, where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to. https://chat.whatsapp.com/KpA4gFbbWDlLFm7kx39raf Support our sponsors: Use code FINTECHINSIDER at the link below to get an exclusive 60% off an annual Incogni plan: https://incogni.com/fintechinsider -- Grab your EXCLUSIVE NordVPN Deal by going to nordvpn.com/fintechinsider to get a Huge Discount off your NordVPN Plan + 4 additional months on top! It’s completely risk-free with Nord’s 30-day money-back guarantee! About Fintech Insider: Fintech Insider by 11:FS is a bi-weekly podcast that covers everything from finance and banking to technology and the latest trends in financial services. Our expert hosts, with hands-on industry experience, are joined by key decision-makers, VCs, and top reporters from across the financial landscape, including guests from companies like Stripe, Revolut, Plaid, PayPal, and Monzo. Together, they break down the biggest news and innovations shaping the space. Our weekly news show drops every Monday, covering major stories like mergers, new product launches, regulatory shifts, and emerging tech trends. On Thursdays, our Insights show goes deeper into the hottest topics driving the future of finance, including AI in banking, decentralised finance, and the evolving landscape of embedded finance. Whether you're already in the fintech game or just starting to explore, this is the #1 podcast for you. If you enjoyed this episode, don’t forget to subscribe and leave a review! Got a question for us? Email podcasts@11fs.com! Learn more about your ad choices. Visit megaphone.fm/adchoices
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1036. News: Checkout strikes a chord with Spotify as Nubank, Revolut and Starling set their sights on the US
Feb 900:59:15Tap to summarizeAbout this episode: Host Benjamin Ensor, Director of Research and Strategy at 11:FS, is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. Producer's note: Please note that during the Checkout.com and Spotify story, this discussion incorrectly refers to Checkout.com becoming Spotify's single global partner. While Checkout will work with Spotify on a global scale, it is not the only partner working with the company. This week's guests: Dave Morris - CEO of FoundryOS Stephany Kirkpatrick - Founder and CEO of Orum, which joined Stripe in 2025 Chantal Swainston - Founder of The Heard Plus soundbites from: Joe Colchester - Head of Product at 11:FS Pulse Rory O'Neill - CMO at Checkout.com Timestamps/stories: Intro - (00:01) Nubank advances US launch with OCC approval - (03:28) Checkout.com announces strategic partnership with Spotify (15:19) London fintech Teya launches in Spain and Italy amid European expansion (26:19) Robinhood UK rolls out stocks & shares ISA with 2% cash bonus (33:34) Chase Enters UK Insurance Market With Launch of Insurance Bundle (42:23) Starling sets sights on US expansion by licensing its banking platform (45:23) Super Bowl Fintech Quiz (49:08) Support our sponsors: Use code FINTECHINSIDER at the link below to get an exclusive 60% off an annual Incogni plan: https://incogni.com/fintechinsider -- Grab your EXCLUSIVE NordVPN Deal by going to nordvpn.com/fintechinsider to get a Huge Discount off your NordVPN Plan + 4 additional months on top! It’s completely risk-free with Nord’s 30-day money-back guarantee! Links to check out: After Dark tickets Download our new embedded investing report Join our WhatsApp community, where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to. https://chat.whatsapp.com/KpA4gFbbWDlLFm7kx39raf About Fintech Insider: Fintech Insider by 11:FS is a bi-weekly podcast that covers everything from finance and banking to technology and the latest trends in financial services. Our expert hosts, with hands-on industry experience, are joined by key decision-makers, VCs, and top reporters from across the financial landscape, including guests from companies like Stripe, Revolut, Plaid, PayPal, and Monzo. Together, they break down the biggest news and innovations shaping the space. Our weekly news show drops every Monday, covering major stories like mergers, new product launches, regulatory shifts, and emerging tech trends. On Thursdays, our Insights show goes deeper into the hottest topics driving the future of finance, including AI in banking, decentralised finance, and the evolving landscape of embedded finance. Whether you're already in the fintech game or just starting to explore, this is the #1 podcast for you. If you enjoyed this episode, don’t forget to subscribe and leave a review! Got a question for us? Email podcasts@11fs.com! Learn more about your ad choices. Visit megaphone.fm/adchoices
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1027. Insights: Lights, camera, transactions! Engineering payments at a global scale with JP Morgan and Netflix
Jan 800:52:43Summary readyAbout this episode: Ever wondered what goes into making a blockbuster payments system? In this episode, David M. Brear, Group CEO at 11:FS, sits down with two heavyweights in the payments world: Tracy Birdsall, Managing Director and Head of EMEA & APAC, Merchant Services Sales, at J.P. Morgan Payments, and Kristen Morrow-Greven, Vice President and Head of Global Payments at Netflix. They dive into the systems that most people don’t notice until they break: reliability, scalability, resiliency, infrastructure, and jaw-dropping transactions-per-second numbers that keep payments seamless at scale. Drawing on J.P. Morgan’s Payments Unbound, Volume 3, the conversation reveals how Netflix processes millions of payments globally without missing a beat keeping subscribers happy and systems running flawlessly. Grab your popcorn and tune in, this behind-the-scenes look at payments is nothing short of epic. Learn more at: https://www.jpmorgan.com/payments/payments-global This week's guests: Tracy Birdsall, Head of EMEA and APAC, Merchant Services Sales at J.P. Morgan Payments Kristen Morrow-Greven,Vice President, Head of Global Payments at Netflix -- Links to check out: Join our WhatsApp community, where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to. https://chat.whatsapp.com/KpA4gFbbWDlLFm7kx39raf Support our charity partner School-Home Support -- About 11:FS At 11:FS, we don’t just talk digital - we make it happen. We're building truly digital financial services by partnering with bold teams to take them from market insights to real-world products. Whether you're an incumbent innovating or a startup breaking new ground, we bring the strategy, research, design, and delivery to make it real. Less talk, more impact.Proud winners of the British Bank Award for Consultancy of the Year - five times and counting. 👉 Learn more at 11fs.com/ventures -- About Fintech Insider: Fintech Insider by 11:FS is a bi-weekly podcast that covers everything from finance and banking to technology and the latest trends in financial services. Our expert hosts, with hands-on industry experience, are joined by key decision-makers, VCs, and top reporters from across the financial landscape, including guests from companies like Stripe, Revolut, Plaid, PayPal, and Monzo. Together, they break down the biggest news and innovations shaping the space. Our weekly news show drops every Monday, covering major stories like mergers, new product launches, regulatory shifts, and emerging tech trends. On Thursdays, our Insights show goes deeper into the hottest topics driving the future of finance, including AI in banking, decentralised finance, and the evolving landscape of embedded finance. Whether you're already in the fintech game or just starting to explore, this is the #1 podcast for you. If you enjoyed this episode, don’t forget to subscribe and leave a review! Got a question for us? Email podcasts@11fs.com! Learn more about your ad choices. Visit megaphone.fm/adchoices
Summary
1026. Insights: Our fintech predictions for 2026
Jan 501:04:14Summary readyAbout this episode: Happy New Year and welcome to the first episode of Fintech Insider of 2026! In this episode, the team are kicking things off with bold predictions for the year ahead, some you might have seen coming and some that might surprise you. They stake their reputations, embrace a bit of friendly ribbing, and share their most daring forecasts for the future of fintech. To uncover these insights, Laura Watkins, Director of Media and Marketing at 11:FS, brings together a SWAT team of fellow Elevens and Fintech Insiders, experts who have spent the past year closely analysing the signals shaping the fintech landscape. Join them as they explore what is ahead for 2026 and the trends that could define the industry. This week's guests: David M. Brear - Group CEO at 11:FS Kate Moody - Customer Strategy Director at 11:FS Ross Gallagher - Head of Consulting at 11:FS -- Links to check out: Join our WhatsApp community, where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to. https://chat.whatsapp.com/KpA4gFbbWDlLFm7kx39raf Support our charity partner School-Home Support -- About 11:FS At 11:FS, we don’t just talk digital - we make it happen. We're building truly digital financial services by partnering with bold teams to take them from market insights to real-world products. Whether you're an incumbent innovating or a startup breaking new ground, we bring the strategy, research, design, and delivery to make it real. Less talk, more impact.Proud winners of the British Bank Award for Consultancy of the Year - five times and counting. 👉 Learn more at 11fs.com/ventures -- About Fintech Insider: Fintech Insider by 11:FS is a bi-weekly podcast that covers everything from finance and banking to technology and the latest trends in financial services. Our expert hosts, with hands-on industry experience, are joined by key decision-makers, VCs, and top reporters from across the financial landscape, including guests from companies like Stripe, Revolut, Plaid, PayPal, and Monzo. Together, they break down the biggest news and innovations shaping the space. Our weekly news show drops every Monday, covering major stories like mergers, new product launches, regulatory shifts, and emerging tech trends. On Thursdays, our Insights show goes deeper into the hottest topics driving the future of finance, including AI in banking, decentralised finance, and the evolving landscape of embedded finance. Whether you're already in the fintech game or just starting to explore, this is the #1 podcast for you. If you enjoyed this episode, don’t forget to subscribe and leave a review! Got a question for us? Email podcasts@11fs.com! Learn more about your ad choices. Visit megaphone.fm/adchoices
Summary
1018. Insights: What it's actually like to build a fintech in the Middle East
Nov 2700:56:13Summary readyAbout this episode: In this special episode David M. Brear digs into what it really takes to succeed as a fintech startup in the Middle East. At the first-ever Money 20/20 Middle East in Riyadh, the fintech startup scene was buzzing with energy - from the celebrations and free swag to the steady flow of Arabic coffee. One real highlight was the Money Surge competition: 15 founders, 3 minutes each, and a shot to win serious funding. The winners - Orbii, Eddekhar, and Zest - impressed with their innovation, resilience, and readiness to thrive in a crowded, competitive market. This episode explores: The real challenges of launching a fintech in the Middle East How founders are navigating a complex, fast-evolving ecosystem The strategies, mindset, and grit required to succeed in 2025 Listeners will gain insight into why the region is a hotbed for fintech innovation - and what it takes to stand out and thrive. This week's guests: Abdulkareem Alkhiary - Co-Founder & CTO, Eddekhar Nauman Ali - Founder and CEO of Orbii Rawan Baddour - Co-founder of Zest -- Links to check out: Join our WhatsApp community, where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to. https://chat.whatsapp.com/KpA4gFbbWDlLFm7kx39raf Support our charity partner School-Home Support -- About 11:FS At 11:FS, we don’t just talk digital - we make it happen. We're building truly digital financial services by partnering with bold teams to take them from market insights to real-world products. Whether you're an incumbent innovating or a startup breaking new ground, we bring the strategy, research, design, and delivery to make it real. Less talk, more impact.Proud winners of the British Bank Award for Consultancy of the Year - five times and counting. 👉 Learn more at 11fs.com/ventures -- About Fintech Insider: Fintech Insider by 11:FS is a bi-weekly podcast that covers everything from finance and banking to technology and the latest trends in financial services. Our expert hosts, with hands-on industry experience, are joined by key decision-makers, VCs, and top reporters from across the financial landscape, including guests from companies like Stripe, Revolut, Plaid, PayPal, and Monzo. Together, they break down the biggest news and innovations shaping the space. Our weekly news show drops every Monday, covering major stories like mergers, new product launches, regulatory shifts, and emerging tech trends. On Thursdays, our Insights show goes deeper into the hottest topics driving the future of finance, including AI in banking, decentralised finance, and the evolving landscape of embedded finance. Whether you're already in the fintech game or just starting to explore, this is the #1 podcast for you. If you enjoyed this episode, don’t forget to subscribe and leave a review! Got a question for us? Email podcasts@11fs.com! Learn more about your ad choices. Visit megaphone.fm/adchoices
Summary
1017. News - After Dark: Long live the high street bank! Revolut checks in with Booking.com, and Visa trials stablecoin payouts
Nov 2400:58:28Summary readyAbout this episode: Our expert host, David M. Brear, and co-host, Kate Moody, present Fintech Insider News live from Village Underground in London, joined by some fantastic guests to discuss the biggest fintech and financial services stories of the week. Stories covered on the podcast this week include: With help from our live audience, we dive into Nationwide’s pledge to keep all their high street branches open until 2030. Visa is trialling stablecoin payouts and we ask whether this new crypto solution is really the answer to getting paid faster? We also explore Revolut and Booking.com’s new partnership, looking at who benefits most and whether Revolut is still the best bank for travellers. There is even time for some festive fun as our audience decides what should be on the Fintech Insider Christmas wishlist... This week's guests: Thomas Easterby, - Head of Fintech at HSBC Innovation Banking Denise Johansson - Co-founder and co- CEO of Enfuce Richard Davies - CEO of Allica Bank Timestamps/stories Intro - (00:00) Nationwide pledges to keep all branches open until 2030 -(07:48) Visa runs pilot trials of stablecoin payouts- (23:01) Revolut partners with Booking.com to expand travel payments offering- (36:25) This edition of After Dark was sponsored by Enfuce, HSBC Innovation Banking and Formance. -- Support our sponsors This episode is sponsored by Naked Wines, head to nakedwines.co.uk/fintech to get a £30 voucher and 6 top-rated wines for just £39.99 including delivery. -- Links to check out: Join our WhatsApp community, where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to. https://chat.whatsapp.com/KpA4gFbbWDlLFm7kx39raf -- About Fintech Insider: Fintech Insider by 11:FS is a bi-weekly podcast that covers everything from finance and banking to technology and the latest trends in financial services. Our expert hosts, with hands-on industry experience, are joined by key decision-makers, VCs, and top reporters from across the financial landscape, including guests from companies like Stripe, Revolut, Plaid, PayPal, and Monzo. Together, they break down the biggest news and innovations shaping the space. Our weekly news show drops every Monday, covering major stories like mergers, new product launches, regulatory shifts, and emerging tech trends. On Thursdays, our Insights show goes deeper into the hottest topics driving the future of finance, including AI in banking, decentralised finance, and the evolving landscape of embedded finance. Whether you're already in the fintech game or just starting to explore, this is the #1 podcast for you. If you enjoyed this episode, don’t forget to subscribe and leave a review! Got a question for us? Email podcasts@11fs.com! Learn more about your ad choices. Visit megaphone.fm/adchoices
Summary
1016. Insights: Is agentic commerce the future of payments? Live from Paris with J.P. Morgan
Nov 2000:52:49Summary readyAbout this episode: Live from Paris, David M. Brear steps into the heart of payments transformation - a shift that’s unfolding far beyond the checkout screen and deep within the financial stack. Commerce has become something that operates in the background, quietly and intelligently. This is the emergence of agentic commerce, where automation and intent drive every interaction.The conversation explores how e-commerce is moving from traditional cart-based journeys to code-driven experiences, and why treasury teams are demanding real-time infrastructure that can keep pace with their decision-making. It examines the regulatory wave reshaping how European builders and banks innovate, and highlights the pioneers making cross-border movement feel as effortless as expressing intent.Joined by leading voices across the ecosystem, the episode reveals a future of payments defined not by speed or cost alone, but by context, control, and connection This week's guests: Ludovic Houri - Managing Director, Head of Merchant Services EMEA/APAC and Global for large accounts at J.P. Morgan Laurene Lecomte - Director of Global Payments, Risk & Fraud at Backmarket Lydie Convert - Head of Cash Management at BlaBlaCar Learn more about JP. Morgan Payments -- Links to check out: Join our WhatsApp community, where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to. https://chat.whatsapp.com/KpA4gFbbWDlLFm7kx39raf Support our charity partner School-Home Support -- About 11:FS At 11:FS, we don’t just talk digital - we make it happen. We're building truly digital financial services by partnering with bold teams to take them from market insights to real-world products. Whether you're an incumbent innovating or a startup breaking new ground, we bring the strategy, research, design, and delivery to make it real. Less talk, more impact.Proud winners of the British Bank Award for Consultancy of the Year - five times and counting. 👉 Learn more at 11fs.com/ventures -- About Fintech Insider: Fintech Insider by 11:FS is a bi-weekly podcast that covers everything from finance and banking to technology and the latest trends in financial services. Our expert hosts, with hands-on industry experience, are joined by key decision-makers, VCs, and top reporters from across the financial landscape, including guests from companies like Stripe, Revolut, Plaid, PayPal, and Monzo. Together, they break down the biggest news and innovations shaping the space. Our weekly news show drops every Monday, covering major stories like mergers, new product launches, regulatory shifts, and emerging tech trends. On Thursdays, our Insights show goes deeper into the hottest topics driving the future of finance, including AI in banking, decentralised finance, and the evolving landscape of embedded finance. Whether you're already in the fintech game or just starting to explore, this is the #1 podcast for you. If you enjoyed this episode, don’t forget to subscribe and leave a review! Got a question for us? Email podcasts@11fs.com! Learn more about your ad choices. Visit megaphone.fm/adchoices
Summary
1015.News: PayPal launches BNPL in Canada, Coinbase expands into current accounts - and financial education hits the classroom
Nov 1701:12:00Summary readyAbout this episode: Host Laura Watkins, Director of Media and Marketing, is joined by a fantastic panel of guests as we dive into some of the biggest stories from the worlds of fintech, banking, and wider financial services this week. Stories covered on the podcast this week include: Financial education is set to hit classrooms across the UK - we take a look at how this initiative is being received by schools nationwide. PayPal has entered the Canadian “buy now, pay later” market with a new fee-free service - but what could this mean for the sector as a whole? We’re also joined by startup Stoa to discuss their fresh alternative to traditional interest-based savings. Plus, Coinbase is shaking up the savings space with a new product launch, and we hear from Juice, one of the UK’s fastest-growing fintech lenders, about their latest research on SME lending. And finally, we’ve got a special segment to wrap up the show - fans of The Celebrity Traitors will love this one… it’s got a fintech twist you won’t want to miss. This week's guests: Nicolas Benady - CEO of Swan Joshuah Lebacq - Director, Venture Capital & Innovation at National Bank of Canada Mike Saraswat - CEO and Co-Founder of Stoa Also featuring voice notes from: Louise Hll, founder of Go Henry Catherine Chan, CEO and co-founder of Juice Dylan, courtesy of Kate Moody, Strategy Director at 11:FS Read the 11:FS Benchmarking Report here Timestamps/stories Intro - (00:00) Financial education to be taught to schoolchildren in England- (06:57) PayPal launches no-fee Pay in 4 BNPL in Canada- (15:55) Coinbase launches interest-bearing savings accounts in the UK- (35:32) New UK start-up Stoa launches to offer an alternative to traditional interest-based savings - (45:00) 59% of UK SME founders abandon loan applications midway- (56:09) -- Links to check out: Join our WhatsApp community, where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to. https://chat.whatsapp.com/KpA4gFbbWDlLFm7kx39raf After Dark tickets: 11fs.com/afterdark -- About Fintech Insider: Fintech Insider by 11:FS is a bi-weekly podcast that covers everything from finance and banking to technology and the latest trends in financial services. Our expert hosts, with hands-on industry experience, are joined by key decision-makers, VCs, and top reporters from across the financial landscape, including guests from companies like Stripe, Revolut, Plaid, PayPal, and Monzo. Together, they break down the biggest news and innovations shaping the space. Our weekly news show drops every Monday, covering major stories like mergers, new product launches, regulatory shifts, and emerging tech trends. On Thursdays, our Insights show goes deeper into the hottest topics driving the future of finance, including AI in banking, decentralised finance, and the evolving landscape of embedded finance. Whether you're already in the fintech game or just starting to explore, this is the #1 podcast for you. If you enjoyed this episode, don’t forget to subscribe and leave a review! Got a question for us? Email podcasts@11fs.com! Learn more about your ad choices. Visit megaphone.fm/adchoices
Summary
1014.Insights: How do you onboard a borderless business?
Nov 1300:52:14Summary readyAbout this episode: In this episode, in partnership with 3S Money, host Benjamin Ensor is joined by a panel of experts to unpack a challenge that affects every business in financial services: the broken state of business onboarding. Whether you’re a fintech startup, a digital bank, or a licensed financial institution, onboarding a business is where the innovation stops and the compliance chaos begins. The team explores why onboarding for mid-market businesses-too complex for SME flows, too small for enterprise-grade service- is still largely overlooked. From multi-entity, multi-director companies to globally distributed teams and borderless founders, they break down why KYC for businesses is still miles behind the streamlined experience we’ve come to expect in retail. They also explore what it takes to verify complex business structures, and why the “missing middle” continues to be ignored. Looking further ahead, the discussion zooms out to the rise of Offshore Banking 2.0: how do you onboard a business that lives everywhere and nowhere at once? Whether you’re building compliance processes, leading a fintech, or just curious about the forces shaping business onboarding today, this episode is packed with insights on how the industry can finally solve one of its most persistent pain points. Enjoy the listen! This week's guests: Ivan Zhiznevsky - Founder and CEO at 3S Money Rudolf Yagor - Senior Product Lead at Openpayd Emma Lindley- Founder of Women in Identity Learn more at https://3s.money/ -- Links to check out: Join our WhatsApp community, where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to. https://chat.whatsapp.com/KpA4gFbbWDlLFm7kx39raf Support our charity partner School-Home Support -- About 11:FS At 11:FS, we don’t just talk digital - we make it happen. We're building truly digital financial services by partnering with bold teams to take them from market insights to real-world products. Whether you're an incumbent innovating or a startup breaking new ground, we bring the strategy, research, design, and delivery to make it real. Less talk, more impact.Proud winners of the British Bank Award for Consultancy of the Year - five times and counting. 👉 Learn more at 11fs.com/ventures -- About Fintech Insider: Fintech Insider by 11:FS is a bi-weekly podcast that covers everything from finance and banking to technology and the latest trends in financial services. Our expert hosts, with hands-on industry experience, are joined by key decision-makers, VCs, and top reporters from across the financial landscape, including guests from companies like Stripe, Revolut, Plaid, PayPal, and Monzo. Together, they break down the biggest news and innovations shaping the space. Our weekly news show drops every Monday, covering major stories like mergers, new product launches, regulatory shifts, and emerging tech trends. On Thursdays, our Insights show goes deeper into the hottest topics driving the future of finance, including AI in banking, decentralised finance, and the evolving landscape of embedded finance. Whether you're already in the fintech game or just starting to explore, this is the #1 podcast for you. If you enjoyed this episode, don’t forget to subscribe and leave a review! Got a question for us? Email podcasts@11fs.com! Learn more about your ad choices. Visit megaphone.fm/adchoices
Summary
1013. News: Big moves in the mortgage market - and is everyone using AI to manage their finances?
Nov 1001:03:59Summary readyAbout this episode: Host Benjamin Ensor, Director of Research and Strategy at 11:FS, is joined by a fantastic panel of guests as we dive into some of the biggest stories from the worlds of fintech, banking, and wider financial services this week. Stories covered on the podcast this week include: There’s turbulence in the mortgage market this week, as HSBC begins offering mortgages worth up to 6.5 times a borrower’s salary, following the loosening of lending rules. We’re joined on the show by ComplyAdvantage to discuss their new AI platform, designed to combat the surge in financial crime. In South Africa, Optasia has set a record with its IPO listing — could it spark major shifts in the market? New data reveals that over 28 million Brits are now using AI tools to manage their money, and we dive deeper into the numbers. There’s also time for Benjamin to break down what’s happening with the CFPB’s open banking rule in the US. And finally, we debate one of the week’s biggest findings: financial services employees are now the least motivated in the workplace… This week's guests: Iain Armstrong - Executive Director at Comply Advantage Germain Bahri - Co founder & CGO of Zazu Rosie Lee - Senior UX Researcher and Customer Strategist at 11:FS Also featuring a voice note from: Marcin Glogowski - SVP Managing Director for Europe and UK CEO of Marqeta Timestamps/stories Intro - (00:00) HSBC offers 6.5 times salary mortgages as lending rules loosen - (06:57) ComplyAdvantage Launches AI-Native Platform to Combat Surging Financial Crime - (15:55) AI fintech Optasia lists in South Africa - (35:32) Brits Bank on Tech: Over 28m Adults Now Using AI Tools to Help Manage Their Money - (45:00) Judge temporarily blocks CFPB Open banking rule - (54:09) Marqeta Powers Expansion of Klarna Debit Card Across Europe - (56:09) Financial services employees are the least motivated at work-new study finds - (58:02) -- Links to check out: Join our WhatsApp community, where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to. https://chat.whatsapp.com/KpA4gFbbWDlLFm7kx39raf After Dark tickets: 11fs.com/afterdark -- About Fintech Insider: Fintech Insider by 11:FS is a bi-weekly podcast that covers everything from finance and banking to technology and the latest trends in financial services. Our expert hosts, with hands-on industry experience, are joined by key decision-makers, VCs, and top reporters from across the financial landscape, including guests from companies like Stripe, Revolut, Plaid, PayPal, and Monzo. Together, they break down the biggest news and innovations shaping the space. Our weekly news show drops every Monday, covering major stories like mergers, new product launches, regulatory shifts, and emerging tech trends. On Thursdays, our Insights show goes deeper into the hottest topics driving the future of finance, including AI in banking, decentralised finance, and the evolving landscape of embedded finance. Whether you're already in the fintech game or just starting to explore, this is the #1 podcast for you. If you enjoyed this episode, don’t forget to subscribe and leave a review! Got a question for us? Email podcasts@11fs.com! Learn more about your ad choices. Visit megaphone.fm/adchoices
Summary