Fintech Insider By 11:fs

On this episode of Fintech Insider Insights, host Benjamin Ensor is joined by Jessica Rusu, Chief Data, Information and Intelligence Officer at the FCA. It's been ten years since the UK regulator launched their innovation hub, so we wanted to catch up with them to dive into the learning and successes so far, as well as taking a look at what the next ten years might look like. We also get the lowdown on their brand new AI lab. Guest: Jessica Rusu, Chief Data, Information and Intelligence Officer at the FCA Join our new 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 -- With Apple recently forced to open their NFC after intense pressure from the European Commission, the wallet wars are set to intensify. And armed with a mobile wallet that kills fees abroad, gives customers cashback, and is pimped out with innovative features like Go Back in Time® and Ant

Join host Benjamin Ensor, along with some great guests as we discuss the biggest fintech and financial services news this week. Topics covered include: E-commerce fraud losses could surpass $100 billion worldwide by 2029, Fintech Australia backs government scam protection, as the UK government pushes for transaction delays, the Fintech funding squeeze could scupper London IPOs, Zopa Bank releases Impact Report from the 2025 Fintech Pledge. This week's guests: Joshua Vowles-Dent - Business, Strategy and Partnerships Manager at ComplyCube Clare Gambardella - Chief Customer Officer at Zopa  Paul Clarke - Chief Growth Officer at Cashflows Stories covered on the show: E-commerce fraud to exceed $100 billion worldwide by 2029 Fintech Australia backs government scam protection Fintech funding squeeze could scupper London IPOs Zopa Bank releases Impact Report from the 2025 Fintech Pledge Cashflows and Mastercard to bring Click to Pay to UK firms Bank of Ireland introduces ‘Startup Stand up’ to integrate comedy i

On this episode of Fintech Insider Insights, in association with Curve, host David Barton-Grimley is joined by a panel of payments and e-wallets experts to tackle the emerging Wallet Wars. Apple Pay – and the Apple Wallet – has become dominant in the space over the last decade, but with the tech giant forced to open the iPhone up to third-party wallets, there’s suddenly competition in the market. So, we’re delving into the challengers looking to take on Apple and innovate in the wallets space.  This week's guests: Shachar Bialick - Founder and CEO of Curve  Tom Noyes - Partner at Starpoint LLP  Fliss Berridge - Director and Co-Founder of Ordo Join our new 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 -- With Apple recently forced to open their NFC after intense pressure from the European Commission, the wallet wars are set to intensify. And armed w

Join hosts Laura Watkins and Dave Morris, along with some great guests as we discuss the biggest fintech and financial services news this week. Topics covered include: Nationwide has acquired Virgin Money for £2.9 billion; Visa is being sued by the Department of Justice as the Biden administration continues its crackdown on ‘junk fees’; Starling Bank has been hit with a large fine from regulator the FCA; Trinidad and Tobago are going to roll out India’s UPI payment tech to promote financial inclusion; Klarna has partnered with Adyen for in-store buy now, pay later options; Chime is reportedly preparing for an initial public offering; and, as this week marks World Mental Health Day, we’ll be discussing how to cope at work. This week's guests: Alberto Dalmasso - CEO & Founder of Satispay  Jessica Cath - Partner, Financial Crime at Thistle Initiatives Stories covered on the show: Nationwide completes Virgin Money takeover to create high street banking titan Justice department files antitrust lawsuit against

On this episode of Fintech Insider Insights, host Kate Moody is joined by Mark Mullen, CEO and Co-Founder of Atom Bank. Before Monzo or Starling, there was Atom. It's been ten years since Atom Bank, a digital challenger bank based in the North East of England, was incorporated. Since then, it has grown to become one of the most profitable neobanks in Britain. Atom launched to the public in 2016 and has continued to go from strength to strength, announcing in March this year that it made an operating profit of £27m. We thought it was time to catch up with Mark to discuss how to build a trusted brand from scratch and hear about Atom’s plans for the future. And yes, we also asked him about their now famous 4-day work week. This week's guest: Mark Mullen, Co-founder and CEO of Atom Bank Join our new 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 -- With

Our expert hosts Kate Moody and Jamie Campbell present Fintech Insider News live from St Michael + All Angels Church in London, along with some great guests to discuss the biggest fintech and financial services news this week. Topics covered include: Revolut is poised to target Middle East banking licence as the bank hits 10 million UK users, Chase is reportedly set to offer credit cards in the UK, and new research from Starling Bank finds that 28% of UK adults say they have been targeted by a voice cloning scam in the last year. This week's guests: Megan Caywood Cooper - Founder and CEO of Caywood  Roisin Levine - Head of UK & Europe Partnerships, Wise Platform, Wise  Javed Anjum - CEO, OneBanx Stories covered on the show: Revolut poised to target Middle East banking licence Chase set to offer credit cards in the UK Starling warns of rise in voice cloning scams Join our new 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

On this episode of Fintech Insider Insights, in association with Adyen, host David Barton-Grimley explores the capabilities opened up by embedded finance – looking at the time and money that can be saved when business have powerful financial tools at their fingertips. We're joined by a panel of expert guests in the embedded finance and payments space to look at how payments can be integrated into platforms, to meet the customer where they are. This week's guests: Natalie Wexler - VP Platform Offering Strategy at Adyen Jason Downing - SVP Product Management at Epos Now Find out more about Adyen at www.adyen.com -- 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 wi

Join host David Barton-Grimley, along with some great guests as we discuss the biggest fintech and financial services news this week. Topics covered include: Apple reportedly poised to sign new cards deal with JPMorgan, US Senators urge crackdown on BaaS providers as FDIC tightens rules, fintech investment remains sluggish with H1 funding down nearly 50% year on year, and Monzo is first off the marks to offer monthly Flex payments directly within Apple Pay. This week's guests: Kevin Fox - Chief Revenue Officer at Thredd Sophie Winwood - Operating Partner at Foxe Capital Stories covered on the show: Apple reportedly in talks with JPMorgan to take over its cards business US Senators push for crackdown on Banking-as-a-Service providers H1 fintech funding down by nearly 50% year-on-year Monzo brings monthly payments to Apple Pay purchases Dutch neobank Bunq aims to boost headcount by 70% by the end of the year Pizza Hut to print jobseeker CVs and deliver to employers in New York Fintech Insider presents: Aft

On this episode of Fintech Insider Insights, host David Barton-Grimley delves into the crisis that has gripped Banking-as-a-Service for much of 2024. Alongside an expert panel of BaaS specialists, we look at how the collapse of two fintechs set in motion a domino effect that cost customers millions, and rocked confidence in the industry. This week's guests: Jason Mikula - Founder of Fintech Business Weekly Nicolas Benady - CEO of Swan Susan French - BaaS and payments consultant Find out more about 11:FS Pulse: https://www.11fs.com/products/11fs-pulse 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

Join host Benjamin Ensor, along with some great guests as we discuss the biggest fintech and financial services news this week. Topics covered include: Lendinvest raises £500m from JP Morgan as NatWest joins the Open Property Data Association, Enfuce announces the UK’s first ever 2-in-1 debit and credit card in MasterCard partnership, UK banks complete the Open Banking roadmap, and Miami-based bookkeeping fintech Finally raises $50m. This week's guests: Vanessa Schotes - CMO at Enfuce Henk Van Hulle - CEO of Open Banking Stories covered on the show: Lendinvest scores £500m investment from JP Morgan Enfuce announces 2-in-1 debit card and credit card for European markets, in a partnership with Mastercard The CMA confirms that the Open Banking roadmap is complete Miami-based bookkeeping fintech Finally raises $50m Revolut says it no longer needs “good reason” to debank customers  Businesses are letting Gen Z drive their marketing strategy Fintech Insider presents: After Dark. Join fellow fintech fans for th

On this episode of Fintech Insider Insights, hosts Kate Moody and Joe Colchester discuss how you can best optimise the experience of a customer’s very first touchpoint with a fintech product or platform – the onboarding. Whether it’s a case of balancing friction and compliance when it comes to the terms and conditions, to gamifying the set-up process, our panel delves into crucial first stage in the customer journey. This week's guests: Andrew Denholm - Head of Product Design at Chip  Kish Patel - Head of Design at Lightyear Adam Tarpey - Head of Product at Metro Bank (Retail & Business Banking) Find out more about 11:FS Pulse: https://www.11fs.com/products/11fs-pulse 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 service

Join hosts Kate Moody and Dave Morris, along with some great guests as we discuss the biggest fintech and financial services news this week. Topics covered include: New PensionBee research for Pensions Awareness Week reveals less than 15% of Brits know how much they have in pensions, financial institutions and regulators unite to standardise corporate digital IDs, Singapore mulls new police powers to block transactions to suspected scammers, and Zilch hits monthly operating profit ahead of expected IPO. This week's guests: Ezechi Britton - CEO of the Centre for Finance, Innovation and Technology Becky O’Connor - Director of Public Affairs at PensionBee Chris Michael - Co-founder and CEO at Ozone API Stories covered on the show: PensionBee research: less than 15% of Brits know how much they have in pensions Businesses partnering with UK government to test corporate digital IDs Singapore police could block suspected fraud transfers Saudi central bank doubles down on open banking framework Zilch hits monthl

On 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 reg

Join hosts Benjamin Ensor and Nadine Timmer-Bodenstein, along with some great guests as we discuss the biggest fintech and financial services news this week. Topics covered include: FS trade union warns that big banks should brace for job losses to AI, Atlantic Money announces its challenger to SWIFT's network, OakNorth secures approval to market products in the US, and KOHO launches tenant insurance and rent reporting solutions for Canadian renters. This week's guests: Neeraj Baid - CEO of Atlantic Money  Aditi Subbarao - Strategic Partnerships Lead at Instabase Stories covered on the show: Union warning that big banks should brace for job losses to AI Atlantic Money announces a challenger to SWIFT OakNorth secures approval to market products in the US KOHO launches tenant insurance and rent reporting solutions  MUFG invests $333m in Indian digital lender DMI Finance Visa in talks over £700m acquisition of Mike Lynch-backed Featurespace Fintech Insider presents: After Dark. Join fellow fintech fans for

On this episode of Fintech Insider Insights, host Benjamin Ensor is joined by experts from the sector to discuss whether Indian fintech is poised to go global. We look at the opportunities and challenges that fintechs face as they make their pitch to a market of 1.4bn people.  And, we delve into the most promising home-grown startups in the country, along with the international players that are seeking growth in India and developing products and features on their platforms. This week's guests: Aditi Sholapurkar - Co-founder of SALT Vinay Ramani - Global CPO of Tide 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 new

Join host David Barton-Grimley and some great guests as we discuss the biggest fintech and financial services news this week. Topics covered include: Klarna announces a new personal account and cashback rewards offering, Revolut is poised to decide between London and New York for its IPO, new research from Tink finds that digital financial tools could make Brits £24.5bn richer, and Amazon could spin off its payments function from its app in India. This week's guests: Jack Spiers - UK & Ireland Banking and Lending Director at Tink  Sarah Kocianski - CEO of Fintech Wales  Karthik Jagannathan - Head of Payments Advisory for Intix Stories covered on the show: Klarna set to take on banks with a personal account and cashback rewards Revolut to pick between London and New York for IPO Tink research: digital financial tools could make Brits £24.5bn richer Amazon considering moving Amazon Pay into a standalone app in India HSBC reportedly considering sale of its South African business Science Card introduces new

On 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, ba

Join host Kate Moody and some great guests as we discuss the biggest fintech and financial services news this week. Topics covered include: ClearBank are set for European expansion after securing a Dutch banking licence, year-on-year investment in UK fintech has nearly tripled to £5.7bn, San Francisco fintech Tally shuts down despite $855m valuation, and Google partners with GoHenry to develop Tap to Pay services for kids. This week's guests: Charles McManus - CEO of ClearBank Kyle Perez - General Partner at Foxe Capital Maia Bittner - Investment Partner, XFactor Ventures and host of the Artificially Intelligent podcast Stories covered on the show: ClearBank set for expansion after securing its European banking licence Investment in UK fintech nearly triples $855m-valued fintech Tally has shut down Google partners with GoHenry to develop Tap to Pay for kids Apple set to open up tap-to-pay on iPhone  Score, the dating app for people with strong credit scores, shuts down Fintech Insider presents: After D

On this episode of Fintech Insider Insights, host Benjamin Ensor takes us back in the archives to revisit our two part series on 'How to buy a bank'. Mergers and acquisitions in fintech are all over the news at the moment, from Nationwide Building Society being approved for a £2.9bn UK takeover of Virgin Money, to the possible $35bn Capital One Discover merger in the US. So, we'll be taking a deep dive into what really happens when one financial giant swallows another. Why do they do it? And, what technical and organisational shifts need to happen to make it work? This week's guests: David M.Brear, CEO at 11:FS Kate Moody, Customer Strategy Director at 11:FS Polo Rocha, reporter at American Banker Virginia Varela, community bank CEO and former federal regulator Rupy Malizia, Chief Strategic Transformation Officer at HSBC Innovation Banking Mariela Hunter, a Fractional COO Come watch us record Fintech Insider live in London: 11fs.com/afterdark -- Fintech Insider by 11:FS is a bi-weekly podcast dedic

Join hosts Benjamin Ensor, Dave Morris and some great guests as we discuss the biggest fintech and financial services news this week. Topics covered include: CommBank halves customer scam losses with in-house anti-fraud technologies, Société Générale sells its UK and Swiss private banking assets, the “neighbourhood” fintech Bilt Rewards raises $150m, and Philippines fintech Mynt sees $5bn valuation.  This week's guests: Maria Harris - Chair, Open Property Data Association Charles Delingpole - Founder and Executive Chairman, ComplyAdvantage  Stories covered on the show: Australia’s Commonwealth Bank cuts customer scam losses by half Société Générale to sell UK and Swiss private banking units for €900m Bilt Rewards set for $3.25bn valuation Philippines-based fintech Mynt sees valuation top $5bn Monzo hits 10 million customers in the UK  Starbucks reports on $1.77bn worth of unused gift cards Fintech Insider presents: After Dark. Join fellow fintech fans for this special 25th edition, with the best commu