Episodios

  • 971. News: FCA and NVIDIA team up for AI sandbox, Starling unveils a smarter way to talk to your bank - and why is Revolut launching ATMs?

    971. News: FCA and NVIDIA team up for AI sandbox, Starling unveils a smarter way to talk to your bank - and why is Revolut launching ATMs?
    Jun 16 2025
    About this episode: Join Ross Gallagher, Head of Consulting at 11:FS, as he's joined by great guests to dive into the biggest announcements and stories from the conference. Stories covered on the podcast: The Financial Conduct Authority (FCA) has partnered with Nvidia to launch a ‘Supercharged Sandbox’, enabling firms to safely experiment with AI. Starling Bank has introduced an AI-powered chatbot - marking a first in UK banking. Meanwhile, Enfuce has teamed up with Octopus Energy’s Electroverse, Europe’s largest EV charging network. Revolut is partnering with Euro 6000 to give users access to cash withdrawal services across Spain. And finally, the Irish fintech sector continues to show strong growth. This week's guests: Monika Liikamaa - Co-CEO and Co-Founder of Enfuce Elliott Locke - Co-Founder and CEO of abroaden Dimitri Masin - CEO at Gradient Labs Also featuring a voice note from: Colin Payne - Head of Innovation at the FCA Timestamps/stories: Intro - (00:00) UK FCA deploys new sandbox for AI playtime - (07:10) Starling launches AI chatbot Spending Intelligence in UK first - (22:06) Octopus energy and Enfuce launch smart EV fleet card - (36:49) Revolut launches ATM’s in Spain - (48:14) Irish Fintech sector defies global headwinds - (1:01:06) Thousands of bees removed from postbox in Great Plumstead by 11:FS’ own David M. Brear - (1:02:22) -- Support our sponsors: If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.48% (AER), with instant access to your money. Plus, get the best rates for free for 12 months at tide.co/insider. -- 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. ⁠⁠⁠⁠Support our charity partner School-Home Support ⁠⁠⁠⁠ -- 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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    1 h y 8 m
  • 970. Insights: The future of lending doesn't care about your credit score with Plaid, Affirm and N26

    970. Insights: The future of lending doesn't care about your credit score with Plaid, Affirm and N26
    Jun 12 2025
    About this episode: On this week's episode, in partnership with Plaid, host David Barton-Grimley is joined by some great guests to dive into the world of credit. For decades, traditional credit scores have been the foundation of lending - but in 2025, they’re starting to show their age. These outdated models are struggling to reflect how people actually live, work, and spend today - especially gig workers, freelancers, immigrants, and younger borrowers. So, what’s gone wrong with our credit systems? And more importantly - how do we fix them? This week's guests: Zak Lambert - Head of Product, Europe at Plaid Ankur Sisodia - Head of Product, Lending & Savings at N26 Alexander de Rafols - Director of Product at Affirm 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 ⁠⁠ Advertisements: If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.48% (AER), with instant access to your money. Plus, get the best rates for free for 12 months at tide.co/insider. 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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    51 m
  • 969. News: Griffin goes AI, Mastercard’s new partnerships, and the top stories live from Money20/20

    969. News: Griffin goes AI, Mastercard’s new partnerships, and the top stories live from Money20/20
    Jun 9 2025
    About this episode: Host David Barton-Grimley, Director of Strategy at 11:FS, is joined by a fantastic panel of guests live at Money20/20 Europe, to dive into the biggest announcements and news stories from the conference. Stories covered on the podcast: Griffin announces the launch of its MCP server, AI Griffin. Openpayd expands its offering into stablecoins with infrastructure designed to better move and manage money globally. Mastercard announces major partnerships to drive the adoption of tokenisation, Click to Pay, and passkeys. We also hear about GoCardless’s new outbound payments feature, payabl.’s virtual business card launch, and Zilch’s partnership with Visa to offer a physical card. Plus, our three panellists share some personal Money20/20 highlights. This week's guests: David Jarvis - CEO at Griffin Lara Barbuto - Director of Compliance, Compliance Officer & MLRO at OpenPayd. Brice Van de Walle - Executive VP, Core Payments Europe at Mastercard Also featuring voice notes from: Ruwani Hewa, Product & Propositions Director at GoCardless Laust Bertelsen, Co-founder of Banking Circle Ugne Buraciene, Group CEO of payabl. Philip Belamant -CEO and co-founder of Zilch Timestamps/stories: ⁠Intro - (00:00)⁠ ⁠⁠Griffin has announced the launch of its MCP Server, AI Griffin-(5.25) ⁠⁠OpenPayd launches stablecoin infrastructure to move and manage money globally- (15.39) ⁠⁠Mastercard has partnered with major players like Santander, Delivery Hero, N26, and Worldline to drive adoption of tokenization, Click to Pay, and passkeys⁠⁠-(26.47) GoCardless expands payment platform with Outbound Payments-⁠⁠⁠⁠(37.08) ⁠⁠payabl. launches virtual Business Cards to empower smarter business spending-(38.08) ⁠⁠Zilch partners with Visa to accelerate growth and launch a physical card⁠⁠⁠⁠- (39.10) Banking Circle Partners with Visa Direct to Boost Global Payments- (40.10) -- Advertisements: If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.48% (AER), with instant access to your money. Plus, get the best rates for free for 12 months at tide.co/insider. -- 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. ⁠⁠⁠Support our charity partner School-Home Support ⁠⁠⁠ -- 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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    49 m
  • 968. Insights: How to improve spend management when on the move - Live from Money20/20 Europe

    968. Insights: How to improve spend management when on the move - Live from Money20/20 Europe
    Jun 5 2025
    About this episode: On this week’s episode of Fintech Insider Insights, recorded live at Money20/20 Europe in partnership with Adyen, host David Barton Grimley is joined by some great guests to take a deep dive into the pain points of spend management - and how embedded finance can help solve them.Now, we’re all aware of spend management, but how important is it, exactly, for small and medium-sized businesses in particular?At the forefront of addressing some of these challenges is a new partnership between Adyen and Spendesk.So, how is embedded finance better serving SMBs, and what role can new technologies play in harnessing its capabilities? This week's guests: Stephane Dehaies - CEO of Spendesk Financial Services Joëlle Bønding - VP of Vertical Strategy for Platforms at Adyen 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 ⁠⁠ Advertisements: If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.48% (AER), with instant access to your money. Plus, get the best rates for free for 12 months at tide.co/insider. 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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    41 m
  • 967. News: Can Curve challenge Apple Pay? Plus: Google’s AI goes shopping

    967. News: Can Curve challenge Apple Pay? Plus: Google’s AI goes shopping
    Jun 2 2025
    About this episode: Host Laura Watkins, Director of Media and Marketing 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: Curve launches Curve Pay to compete with iOS in Europe. Google pushes ahead with its AI offering with an agnostic shopping experience. We talk through what the CFPB’s ruling means for the future of banking in the US. We also take a closer look at the South Korean payments market with Kakao’s acquisition of SSG Pay and Smile Pay to further digital optimisation in the country. There’s also been a boom in UK fintech hiring — and are Singapore really considering corporal punishment as a consequence for scamming? This week's guests: Aditi Subbarao - Strategic Partnerships Lead at Instabase Edoardo Volta- SVP Partner Marketing and Business Development at Curve Kate Flocken-Principal at FS Vector Timestamps/stories: Intro - (00:00) ⁠Curve launches Curve Pay on iOS in EEA, competing with Apple Pay-(5.30) ⁠Google has launched an agentic shopping experience- (19.19) ⁠CFPB to ditch open banking rule⁠-(37.12) ⁠Kakao Pay plans to acquire SSG Pay and Smile Pay for digital optimisation in Korea-⁠(51.07) ⁠UK Fintech hiring surges-(1.01.10) ⁠Singapore considers caning as scams jump 70%-⁠(1.02.36.31) -- Advertisements: If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.48% (AER), with instant access to your money. Plus, get the best rates for free for 12 months at tide.co/insider. -- 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. ⁠⁠Open Mic Night Amsterdam tickets⁠⁠ ⁠⁠Support our charity partner School-Home Support ⁠⁠ -- 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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    1 h y 9 m
  • 966. Insights: Inside the unbundling and rebundling of financial services

    966. Insights: Inside the unbundling and rebundling of financial services
    May 29 2025
    About this episode: On this week’s episode of Fintech Insider, in partnership with Skaleet, host Benjamin Ensor is joined by some great guests to take a deep dive into the unbundling and rebundling of financial services. Now, you’ve probably heard the terms thrown around – but what does "unbundling" really mean? Is it just a flashy way of saying financial services firms are breaking up their services? Or is it a deeper transformation of how financial institutions operate, innovate, and serve us all? And if firms get this right, how will financial services look different in 2030? This week's guests: Martin Della Chiesa - CEO of Skaleet Christian Rau - Senior Vice President, Global Partnerships Crypto, Digital Assets and Fintech at Mastercard Emilia Bayer - Senior Sales & Strategy Lead at Primer 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 ⁠Open Mic Night Amsterdam tickets⁠⁠ ⁠⁠Support our charity partner School-Home Support ⁠ Advertisements: If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.48% (AER), with instant access to your money. Plus, get the best rates for free for 12 months at tide.co/insider. 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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    55 m
  • Bonus: How Monzo stays online when everyone else goes down - with CTO Matej Pfajfar

    Bonus: How Monzo stays online when everyone else goes down - with CTO Matej Pfajfar
    May 28 2025
    About this episode: On this episode of Fintech Insider, host David Barton-Grimley sits down with Matej Pfajfar, Group CTO at Monzo Bank, to talk about one of the fintech industry's least glamorous - but most critical - topics: outages. With banking apps now at the core of how we manage money, a few minutes of downtime can spark serious disruption. Back in February 2025, a wave of UK bank outages affected millions and it feels like the problem is only getting worse. So, how is Monzo planning to stay ahead? Enter Monzo Stand In, the bank’s behind-the-scenes solution designed to keep essential services running, even when things go wrong. On this episode we unpack what an outage actually means in modern banking, why they’re so hard to avoid, and how Monzo’s unique culture and architecture enabled them to build resilience into their platform by design. This week's guest: Matej Pfajfar - Group Chief Technology Officer, Monzo Bank Advertisements: If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.48% (AER), with instant access to your money. Plus, get the best rates for free for 12 months at tide.co/insider. -- 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. ⁠⁠Open Mic Night Amsterdam tickets⁠⁠ ⁠⁠Support our charity partner School-Home Support ⁠⁠ -- 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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    29 m
  • 965. News: Revolut eyes up French banking licence and is the BNPL honeymoon over amid tougher regulations?

    965. News: Revolut eyes up French banking licence and is the BNPL honeymoon over amid tougher regulations?
    May 26 2025
    About this episode: Host Benjamin Ensor, Director of Research & 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: Revolut, Europe’s largest digital bank, has announced plans to invest over €1 billion in France over the next three years, including establishing new headquarters in Paris and securing a French banking licence. Meanwhile, UK regulators are cracking down on the ‘wild west’ of Buy Now, Pay Later schemes with tougher regulations—raising questions about the impact on major players like Klarna. We also speak with JPMorgan Chase about the launch of their FintechForward Programme and the importance of supporting underserved founders and SMEs. Global fintech Airwallex has raised $300 million in a Series F funding round, bringing its total valuation to US$6.2 billion. In India, Paytm, the country’s largest digital payments platform, has introduced a ‘hide payment’ feature to enhance user privacy. Finally, we explore a promising new partnership between UEFA and Visa aimed at transforming their ticketing platforms. This week's guests: James Dodsworth - Senior Manager, Thistle Initiatives Veronica Glab - Independent Fintech Strategist Lucy Ingham - VP of Content & Editor-In-Chief at FXC Intelligence Also featuring voice notes from: Jason Tiede - Global Head of Corp. Dev. & Partnerships, J.P. Morgan. Jason Gottlieb - VP and Global Head of Strategic & Financial Partnerships at Airwallex. Timestamps/stories: Intro - (00:00) Revolut plans to invest €1 Billion in France and Apply for License-(5.29) UK cracks down on ‘wild west’ of Buy Now Pay Later schemes with tougher regulations- (17.49) JPMorganChase announces the launch of its Fintech Forward Programme one year after announcing their £40million investment in the UK.-(29.34) Airwallex raises $300million in Series F funding round -(42.22) Paytm adds a ‘hide payment’ feature adding a new layer of privacy for users-(54.52) Visa partners with UEFA to offer Click to Pay on UEFA ticketing platforms - (56.31) -- Advertisements: If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.48% (AER), with instant access to your money. Plus, get the best rates for free for 12 months at tide.co/insider. -- Links to check out: Check out ⁠JPMorganChase's Fintech Forward Programme 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. ⁠Open Mic Night Amsterdam tickets⁠ ⁠Support our charity partner School-Home Support ⁠ -- 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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    1 h y 4 m
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