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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77episodes
Episodes
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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
1012. Insights: How Lloyds, Santander and NatWest are shaping the future of banking innovation
Nov 601:01:46Summary readyAbout this episode: In this episode of Fintech Insider, we dig into how UK banks can reclaim their fintech edge in a fast-moving global market. Host Ross Gallagher and co-host Tim Heard from 11:FS are joined by innovation leaders from NatWest, Santander, and Lloyds Banking Group to unpack what it really takes to modernise at scale. From cultural shifts and agile delivery to smarter governance for rapid, safe experimentation - the panel goes deep on the realities of driving change inside major banks. You’ll hear how legacy players are rethinking tech stacks, partnering with fintechs, and empowering cross-functional teams to build standout digital experiences. The conversation also covers how to balance innovation with risk, harness data for smarter decisions, and rally leadership around a bold strategic vision. Tune in for a candid, behind-the-scenes look at UK banking innovation - and what needs to change for the sector to lead the next wave of fintech growth. This week's guests: David Grunwald - Group Director of Innovation and Partnerships at NatWest Kamaljit Ahir - Senior Innovation Partner at Santander Bank Sarah Farrington - Head of Digital Strategy and Innovation at Lloyds Banking Group Ready to get to work? As the five-time Consultancy of the Year, we help FIs embrace innovation to build truly digital services and products. 11fs.com/innovation -- 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
1011. News: Starling fights fraud with AI, Uber goes global with Checkout and Citi and Coinbase collaborate
Nov 301:06:17Summary readyAbout this episode: Host Ross Gallagher, Head of Consulting at 11:FS, is joined by a fantastic panel of guests from Checkout.com, Galileo, SoFi’s tech platform, and Anthemis 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: This week, we explore how Starling is tackling scams with AI, in what it claims to be the UK’s first tool designed to spot purchase fraud. We hear from Checkout about their partnership with Uber to power global payments, and dive into the Coinbase-Citi collaboration, aimed at enhancing digital asset payments for institutional clients and bridging traditional finance with blockchain technology. Elsewhere, Dutch bank bunq has secured a US broker-dealer license, and we share an exclusive update from them. Southwest Airlines, powered by Galileo (SoFi’s tech platform), has launched the Rapid Rewards Debit Card, letting debit-first customers earn points on everyday purchases to redeem against flights. And finally, we tackle the fun but important question: would you let AI write your performance review, and what would our panellists guess it would say about them? This week's guests: Bill Kennedy, Interim CEO of Galileo, SoFi’s tech platform Rory O'Neill, CMO at Checkout.com Mei Lim, Managing Partner at Anthemis Also featuring voice notes from: Bernadette Smith , Chief Compliance Officer at Starling Joe Wilson, Chief Evangelist at Bunq Timestamps/stories Intro - (00:00) Starling launches AI tool for scam monitoring- (06:15) Uber partners with Checkout.com for global payments-(20:02) Swipe, Earn, and Fly with Southwest Airlines’ New Rapid Rewards Debit Card- (35:45) City and Coinbase team up on Digital Asset payment capabilities for institutional clients- (48:24) Dutch online bank bunq gets US broker-dealer licence-(56:34) JPMorgan lets staff use AI to help write performance reviews- (58:31) -- 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 Buy tickets for After Dark: 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
1010. Insights: Sanctions: how can fintechs keep up?
Oct 3000:48:46Summary readyAbout this episode: In this episode, host Kate Moody is joined by an expert panel in partnership with LexisNexis Risk Solutions to unpack a trend that’s quietly reshaping global finance: the slowdown in sanctions activity. With the latest Sanctions Pulse Report showing a 40% drop in new designations - the steepest decline in three years - the team explores what’s really behind the numbers, and what it means for fintechs navigating compliance in 2025. From delistings and enforcement trends to the growing role of automation, AI, and real-time data, they break down how fintechs can stay ahead in an increasingly complex regulatory landscape. Whether you’re leading a compliance team or just curious about the forces shaping financial regulation, this episode is packed with insights on turning a quieter sanctions cycle into a smarter strategy. Enjoy the listen! This week's guests: Katarina Pranjić - Head of Regulation and Policy, Economic Crime at LexisNexis Risk Solutions Emil Dall, Principal Consultant and Head of Sanctions, FINTRAIL. James Dodsworth, Senior Manager, Financial Crime at Thistle Initiatives Gain insight into the changes of major sanctions lists and watchlist data between January-June 2025 with the latest Sanctions Pulse series from LexisNexis ® Risk Solutions - https://risk.lexisnexis.co.uk/insights-resources/infographic/sanctions-pulse?trmid=BSCRMK25.UKI.14310.PD3P39065 -- 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
1009. News: How the AWS outage rocked fintech
Oct 2701:03:20Summary readyAbout this episode: Host David Barton-Grimley, Director of Strategy and Head of Product 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: As AWS outages shook the world this week, we explore how the disruption sent ripples through the fintech industry. We also speak with Tink about their expansion into the Pay by Bank market across France, Germany, and Austria, in partnership with Splitwise. Joining us as well is Paymentology, who share insights into their exciting Paycredit launch - a cloud-first credit ledger platform designed to help financial institutions build flexible, feature-rich credit products. Elsewhere, Revolut has secured a banking licence - but why in Mexico and not the UK? We find out. Plus, we unpack what Zilch and Plaid’s latest partnership means for open banking repayments, and wrap up the show with a spooky, fintech-themed surprise for our panellists. This week's guests: Ian Morrin, Head of Payments at Tink Merusha Naidu, Global Head of Partnerships at Paymentology Pablo Viguera, co-CEO at Belvo Also featuring a voice note from: Joe Zender, Chief Product Officer at Zilch Listen to Fintech Insider Insights Bonus: How Monzo stays online when everyone else goes down - with CTO Matej Pfajfar Timestamps/stories Intro - (00:00) AWS Outage: A Major Risk For The Financial Sector?- (08:20) Splitwise expands Pay by Bank across France, Germany, and Austria with Tink -(20:10) Paymentology Launches PayCredit to Power Credit Innovation for Digital Banks and Fintechs- (35:41) Revolut gets Mexico banking license - (48:04) Zilch and Plaid partner to integrate open banking into repayments- (54:16) -- 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 Buy tickets for After Dark: 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
Live show announcement! After Dark | Live podcast in London | Tickets available now
Aug 13, 2025Tap to summarizeFintech Insider is about to hit 1000 episodes! We’re celebrating this epic milestone with a very special Fintech Insider: After Dark. Join fellow fintech fans for an evening of food, drinks, and good vibes as we bring you a live edition of our news podcast featuring your fave Fintech Insiders. Tickets are free and available right now at 11fs.com/afterdark When: Wednesday 24th September from 6pm Where: Village Underground, London Our panel so far: 🎙️ David M. Brear - Group CEO at 11:FS 🎙️ Ross Gallagher - Head of Consulting at 11:FS 🎙️ Marcin Glogowski - SVP Managing Director for Europe and UK CEO at Marqeta See you there! This edition of After Dark is sponsored by Marqeta and Fireblocks. Learn more about your ad choices. Visit megaphone.fm/adchoices
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926. Insights: Our 2025 fintech predictions
Jan 9, 2025Tap to summarizeWe're back! Welcome to the first Fintech Insider Insights of 2025.In this episode, host Laura Watkins is asking three of her fellow Fintech Insider hosts to put reputations on the line, open themselves up to a little friendly ridicule, and boldly predict the future of fintech.After a year marked by incredible industry consolidation, we’re all eager to uncover the biggest trends shaping the next twelve months. What will we be talking about in 2025? And, more importantly, what products, people, and innovations will dominate the headlines?This week's guests: David M. Brear, Group CEO at 11:FS Dave Morris, Global Head of Technology at 11:FS Ross Gallagher, Head of Ventures at 11:FS -- 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-- 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, 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 Thursday 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.If you enjoyed this episode, don't forget to subscribe and please leave a reviewGot a question for us? Email podcasts@11fs.com! Learn more about your ad choices. Visit megaphone.fm/adchoices
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894. Insights: How to make fintech invisible
Sep 5, 2024Tap to summarizeOn this episode of Fintech Insider Insights, hosts David Barton-Grimley and Ross Gallagher delve into the technologies powering the next generation of fintech user experiences.Drawing together 11:FS research and expert guest insights, we look at how APIs can power a partnerships-driven ecosystem that could ultimately make fintech feel invisible.This week's guest:Rory O'Reilly - Co-founder and CEO of KnotAPI Come watch us record Fintech Insider live in London: 11fs.com/afterdark--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, 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 Thursday 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.If you enjoyed this episode, don't forget to subscribe and please leave a reviewFollow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com! Learn more about your ad choices. Visit megaphone.fm/adchoices
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890. Insights: Has Fintech grown up?
Aug 22, 2024Tap to summarizeOn this episode of Fintech Insider Insights, host Kate Moody is joined by experts from in and around fintech to discuss whether the fintech is now a mature sector.Fintech has gone from attracting massive funding in the late 2010s and immediately following the pandemic, to enduring a funding crunch in the last couple of years. And, as investors start to cautiously return to fintech, how can companies move towards a more sustainable model of growth? To find out we're joined by a fantastic line-up of experts from in and around the sector - a founder, an investor, and a journalist - to give their perspectives on this next phase in the development of fintech.This week's guests: Romi Savova - founder and CEO of PensionBee Devin Kohli - co-founder and General Partner, Outward VC Callum Burroughs - fintech and startups correspondent at Business Insider Come watch us record Fintech Insider live in London: 11fs.com/afterdark--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, 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 Thursday 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.If you enjoyed this episode, don't forget to subscribe and please leave a reviewFollow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com! Learn more about your ad choices. Visit megaphone.fm/adchoices
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