Fintech Insider By 11:fs

John Hope Bryant is CEO and Chairman of Operation Hope, Promise Homes, CEO of Bryant Group Ventures, and Co-Founder of Global Dignity. He was also the first person Sam Maule ever interviewed for 11:FS. The two of them sit down. a year later, to discuss financial inclusion and how it makes everyone wealthier. Promise Homes is a profitable enterprise combining all of John Hope Bryant's passions and interests, aimed at encouraging underserved people to become owners of their own property by renting to them with a goal to becoming part owners and eventually whole owners. It also creates a healthy renter-landlord relationship that benefits everyone in the transaction. A 200 point difference in credit score is all it takes to massively change someone's life, as John Hope Bryant says: there's never been a riot in a 700 credit score neighbourhood. Whereas in a 500 credit score community is where the real problems are found. Raising the value of communities is central to John Hope Bryant's message, it stabilis

In this episode the team sit down with top fintech CEOs to tackle the week's top financial news Kicking off with the news that in the ten year anniversary of the financial crisis, Brits still don't trust their banks to act in the interests of society. We explore what this means, whether banks have ever acted in the interests of society and if this really is the case? We asked some people on the streets around our offices to see if they agree. Find out what they said. Big banks have had it tough in this week's headlines - TSB have had another outage in the exact week the FCA have mandated banks to declare their outages, and the Telegraph reveals the slightly underhand dealings with savers' rates, in the days and weeks before the Bank of England's interest rate rise. We spoke to Dominic Lindley Director of Policy, New City Agenda (and a member of the Financial Services Consumer Panel) to get his take on this, and to summarise all the big bank bad news stories we’ve just covered. Amazon have announced thei

Today's insights show takes a closer look at what it means to have a digital identity and who really controls who you are online? We speak to the perfect experts to find out: Jamie Smith - Strategic Engagement Director - Evernym Emma Lindley - Senior Director of Digital ID and Money at Visa Vinny Lingham - Co-founder and CEO of Civic Diane Joyce - CTO for the Post Office Identity Services Katryna Dow - Founder and CEO of Meeco Our hosts dive deep into the issue, finding out what your digital identity actually means, who owns it, who the biggest players in the space are and how you can reclaim it with self-sovereign ID. Laura and Ryan also take a look at how digital identity works globally and how it's set to develop in the future. This episode was written and produced by Laura Watkins, and co-produced by Petrit Berisha, edited by Michael Bailey. Special Guests: Diane Joyce, Emma Lindley, Jamie Smith, Katryna Dow, Ryan Garner, and Vinny Lingham.

Tom Peters is co-author of In Search of Excellence, a book that's often touted as the best business book there is. Nearly 30 years later and with 16 more books under his belt, Tom Peters is still leading the management guru industry he created. Sam Maule talks to him about everything that influenced his life and led up to the moment Peters wrote In Search of Excellence. Emphasising the need for innovation, transparency, honesty, empowerment, openness (all the traits 11:FS stands for) Tom Peters isn't afraid to call out bullshit where he sees it. Although, Tom is just as capable of going off-topic as Sam. This is a chat between two guys who love their jobs, love their careers, and reflect on both well enough to know how they got where they are today. There's a lot of expertise required to know hot to make things better. Tom Peters has led a career that's let him write in great detail what it means to derive the best results from a project. That stems from understanding the things that prevent everyone fro

Today's insights show takes a closer look at what defines a challenger bank, how the name's stuck, and what it actually means. Is it all because of a grudge or is it seeking to disrupt the banking status quo? We speak to the perfect experts to find out: Anne Boden - CEO and Co-Founder of Starling Anthony Thomson - Founder of Atom Bank, Metro Bank, and a new Australian bank (86 400) Tom Blomfield - CEO and Co-Founder of Monzo Oscar Williams-Grut - Senior Reporter at Business Insider Our intrepid hosts travel around the issue, finding out what the founders of challenger banks think of the classification, what differentiates them from incumbents (after all many features are available from both types of bank), how challengers create competition amongst themselves and how with the banking landscape changing as rapidly as it is, what the future holds for all financial insitutions, both neophyte and incumbent. We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and f

Today's insights show takes a closer look at how to solve the major issues of opening a bank account, payments, and getting a loan that are challenging SMBs at the moment. We speak to experts to find out who's going to win the race for SMB loyalty: Edward Berks, Director of Banking, Fintech & Ecosystem, Xero Nadya Hijazi - Global Head of Business Banking Digital, HSBC George Bevis, CEO, Tide Megan Caywood, Chief Platform Officer at Starling Paul Bulpitt, Head of Accounting at Xero and Founder of the Wow Company Last time we looked at SMB banking we heard from independent business owners about their individual experiences with SMB banking. Now we want to know if they're typical and if anything they said was surprising to the experts? We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider on Twitter or Facebook. If you really loved it, please leave us a review, we love reading them! This episode was written by Laura Watkins. Produced

AI is a massive subject that's been so spun out by marketing, consultancies, and project proposals as a cure all that it's become difficult to understand what it actually is. To start things off we define what AI really is so you know your AI fact from fiction, then we move on to how AI has developed from simple 'if and then' statements into the powerful applications of Machine Learning. We interview Charlie Wood, Principal Consultant at Capco to get an inside look at what's going on in the AI space. He helps break down the myth behind AI and how it's being used today. We also speak to Scott Seely, Principal Solutions Architect at Microsoft to break down how Computer Vision relates to AI and how advanced image recognition capabilities are becoming as well as where chatbots are becoming reliable with language recognition. We also take a look at where AI is being applied in complex use cases and how skeptical experts are about AIs ability to make you money. Then we take a look at what's going on with AI

Some people think it's lucky to be able to make decisions, but Howard Lindzon doesn't see things that way. It's about practice, not being paralysed by indecision and limiting your options to two positive outcomes and then picking the one that you're able to live with. You've gotta keep moving forward and to keep everyone around you motivated and wanting to move forward. CEOs are vital to the nature of a startup, they need to be able to pull their company in the direction they want to grow in as fast as they can and keep everyone who's with them excited and interested. Sam and Howard also discuss how not everyone can be a great CEO but that isn't a bad thing. The world needs great second-in-commands and people all down the hierarchy, without them there'd be no companies. Being a CEO means being a great recruiter and communicator in addition to raising money. You can't just be good at one of them, all three are vital to being a CEO. It's important to ensure staff know what you need them to be doing, when,

Sarah and Simon sit down with Editor in Chief of Computer Weekly, Bryan Glick, Business Development at Bud, Nina Mohanty, and 11:FS Pulse Analyst, James Safford. The panel discuss the latest news hitting the fintech space this week, including: Google Pay rolls out support for peer-to-peer payments and mobile ticketing, Zimbabwe's eco-cash two day crash exposes the vulnerabilities of going cashless, MasterCard suffering a glitch to Faster Payments with many payments delayed, TSB customers suffer yet again after an app update locked out users; Nordnet fire AI assistant Amelia after a poor performance review, Neobank Space was made in just 8 months, Open Banking is 6 months old and what it's achieved. And finally, of course, death is no reason for breaking the rules according to Paypal. All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode, leave a review on iTunes and every other podcast app. Spread the fintech love by sharing or tweeting this podcast.

COBOL is a programming language that was ubiquitous to the programming world around 60 years ago. It's since been replaced by newer and more useful languages. Unfortunately, COBOL still underpins a great deal of the banking technology in the world, but no-one's trained in it. This has left to a rise in the number of 60-80 year olds who have come out of retirement to maintain the modern banking world. Cowboys who can do what they want because they're the ones maintaining current banking technology. We take a look at what happened to lead us to this point and interview Ewan Silver, CTO of 11:FS to shed some light on the issue. Next up we interview Scott Seely, Principal Solutions Architect at Microsoft. He runs us through the complex process of untangling legacy systems to work with new technology and hopefully escape the COBOL cowboys. People are the main sticking point here, so Microsoft have come up with an ingenious solution to enable the financial industry to work with legacy systems while still engaging

Sarah and David sit down with Forbes and The Economist journalist, Monty Munford, and CEO of Onfido, Husayn Kassai. The panel discuss the latest news hitting the fintech space this week. Including: TSB could have up to $150m in debt after their IT systems meltdown back in April - the team discuss whether this amount is accurate (or indeed, even enough); Monzo's losses quadruple in 2017 - but is this in line with what our panel expected? They also take a look at the FCA's latest cohort for their 4th sandbox, their review into “unfair fees” and yet another massive data breach, from a data broker no one has heard of. We even have two "and finally" stories this week as we couldn't decide between them: Goldman Sachs is getting into EDM and rapper Big Sean raps about crypto on his latest album - has it finally gone mainstream?! All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode, leave a review on iTunes and every other podcast app. Spread the fintech l

Today's insights show brings together how everything in the UK fintech space is working together to improve the industry. We want to talk about how the whole nation can start talking about fintech, share knowledge, and work together in unity. But is it even possible in a nation with such strong individual identities? Fantastic insights are given by fintech experts who are working across the UK to bring fintech to those who need it most: Greg Michel, Fintech Lead at Tech Nation John Glen, MP & Economic Secretary to the Treasury Deb Harding, Head of Engagement in Financial Services for the Welsh Government Ben Brabyn, CEO, Level 39 Chris Pond, Vice-Chair, Financial Inclusion Commission Katia Lang, CEO, The Fintech TImes Martin Cook, General Counsel at Funding Circle and founding member of the Fintech Delivery Panel Paul Rippon, Co-founder, Monzo Jon Bradford, Founding partner, Motive Partners Wendy Jephson, Co-founder & Chief Behavioural Specialist, Nasdaq Sybenetix Lisa Wood, CMO, Atom Bank

Simon sits down with Freddy Kelly, Veronique Barbosa, Tanya Andreasyan, and Philip Clarke to discuss the latest news hitting the fintech space this week. Including: Amazon teaming up with American Express for SMBs, Nationwide launch their fintech fund, and Goldman Sachs predict the world cup final. We also have a few great interviews with Emma Huntington from Nationwide, Nick Katz, CEO of Acasa, Harry Keen, CEO of Hazy, and Brian Barnes the CEO of M1 Finance. All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode, leave a review on iTunes and every other podcast app. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Brian Barnes, Doug Bobenhouse, Emma Huntington, Freddy Kelly, Harry Keen, Nick Katz, Ollie Judge, Philip Clarke, Tanya Andreasyan, and Veronique Barbosa. Links: American Express has deal to offer Amazon

Today's insights show shines a light on how fintech is making the world a better place. We want to talk about what makes the UK fintech scene so useful for solving real problems that affect the lives of so many people. We’re going to be taking a look at how customer-centricity helps fintechs cater better to their customers to ensure they have access to better services, and the impact financial education can have on financial inclusion and literacy. Fantastic insights are given by fintech experts who are working across the UK to bring fintech to those who need it most: Greg Michel, Fintech Lead at Tech Nation Anish Kapoor, CEO of AccessPay Jonathan Hollow, Head of Financial Capability, Strategy and Innovation at the Money Advice Service. Richard Theo, CEO and founder of Wealthify Stephen Ingledew, CEO of Fintech Scotland Dr Sue Black, OBE Virraj Jatania, CEO and founder of Pockit We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider o

Simon and David sit down with Romi, Megan and Dave to discuss the intriguing and interesting stories from the fintech world this week, including: CYBG buys Virgin Money, Visa's broken switch, and Starling launches joint accounts. Simon also has a quick interview with Francisco Carvalho Araújo, Product Manager at Monzo to learn all about Monzo Web. All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode, leave a review on iTunes and every other podcast app. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Dave Cunningham, Francisco Carvalho Araújo, Megan Cooper, and Romi Savova. Links: Virgin Money bought by CYBG for £1.7bn Visa’s European outage blamed on ‘very rare’ broken switch Square obtains NY State cryptocurrency license | Reuters Monzo – Access your account in an emergency with Monzo Web RESOLVED: No More

Today's insights show shines a light on what makes the UK fintech scene so unique. Fantastic insights are given by fintech experts who are working across the UK and influencing regulation in the fintech space: Frank Jan Risseeuw, CEO of Yolt Greg Michel, Fintech Lead at Tech Nation John Glen, MP Rajesh Agrawal, Deputy Mayor of London Eileen Burbidge, Chair at Tech Nation and Partner at Passion Capital Anthony Lesoismier, CSO and Co-founder at Swissborg Vince Howard, Head of Marketing at Swissborg We want to talk about what makes the UK fintech scene the home of so many success stories. We’re going to be taking a look at the unique UK regulatory environment and why so many international players are keen to come to the country to invest in fintech. We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider on Twitter or Facebook. If you really loved it, please leave us a review, we love reading them! Special Guests: Anthony Lesoismier, Eil

Sarah and Ross sit down with James and Lisa and go over some of the weird and wonderful stories from the fintech world, including: SCB applying for a licence, Monzo's new IFTTT, and Danske bank attempts to predict the world cup. All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode, leave a review on iTunes and every other podcast app. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: James Safford and Lisa Matzi. Links: Standard Chartered says it will apply to operate a virtual bank in Hong Kong | South China Morning Post HSBC to invest $15-17 billion by 2020 in push for growth | Reuters Adyen Doubles in Debut in Year's Biggest European Tech IPO - Bloomberg Buy UK Shares Without Paying Stamp Duty Through eToro World's first smart bank? Monzo release IFTTT integration. - 11:FS Starling Bank introduces gambling b

Today's insights show shines a light on the regional fintech spaces across the UK. Fantastic insights are given by fintech experts who are working successfully outside of London and making waves in the fintech space: Lisa Wood, CMO at Atom, the challenger bank based in Durham, in North East England Chris Sier, Fintech Envoy for the North of England James Varga, CEO and Co-founder of the ID Company, based in Edinburgh Richard Theo, CEO and Co-founder of Wealthify, based in Cardiff, and newly appointed Fintech Envoy for Wales Virraj Jatania, CEO and founder of Pockit Paul Rippon, Deputy CEO at Monzo We want to burst the London fintech bubble and talk about UK fintech successes across the whole country. We’re going to be taking a look at the under the radar success stories across the UK, particularly those outside of the behemoth of the London bubble. We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider on Twitter or Facebook. If you r

David Simon and Sam are live on the main stage at Money 20/20 covering the latest and greatest in news across the fintech world. Joined by those at the cutting edge of all things fintech, Leda Glyptis, Rob Frohwein, Anna Irrera and Peter Hazou. It's a different show from usual with our guests coming on in pairs. First up are Leda and Rob to share their views on what's going on in Europe. Kicking things off, European payments seemingly ground to a halt when Visa suffered a system failure over the past week. The panel have an interesting take on the issue, it is a payments conference after all. Next up, Kabbage competes with PayPal. Luckily we have the Kabbage CEO on-hand to give us some absolute insight into what's going on there. Finishing up this section, the panel discuss the (un)surprising revelation that Millennials trust tech companies over banks when it comes to personal data. Our two lovely guests have to leave us but we have two equally brilliant ones in the form of Sara and Jeff, ready to le

Today's insights show lifts the lid on the pain of SMB Banking as Sarah Kocianski guides us through the three biggest SMB Banking pain points: opening an account, getting a loan, and making and receiving payments. Fantastic insights are given by small business owners and experts in this sector who give first hand accounts of their own frustrations: Paul Bulpitt - Head of Accounting at Xero and founder of Wow Company Sam Booth - CEO of Just After Midnight Oren Greenberg - Digital Marketing Manager at Kurve, There are approximately 5.7m SMBs in the UK right now, and they employ almost 16 million people. Together they turn over £1.8 trillion per year, which makes no small contribution to the UK economy and GDP. But why are they so badly served? Sarah endeavours to find out and to look towards the future of SMB Banking and what is going to improve. We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider on Twitter or Facebook. If you really lo