Episodios

  • 1007. News: Goldman Sachs acquires Industry Ventures and UK fintech funding bounces back to 2022 highs

    1007. News: Goldman Sachs acquires Industry Ventures and UK fintech funding bounces back to 2022 highs
    Oct 20 2025
    About 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: This week on the podcast, Wise is making big moves in India with the launch of their travel card - and they’ve also announced a new UAE payment licence. We hear more from them about these exciting developments. HSBC Banking Innovation joins us to break down the latest venture funding figures, which have reached a multi-year high in Q3. In the UK, there are major steps forward in open banking as the FCA announces their new accelerator programme. We also take a closer look at Goldman Sachs’ acquisition of Industry Ventures, but what does it mean for the venture market? Benjamin shares his thoughts on the further delays in Revolut’s banking licence, and, most importantly, we dive into a heated debate about the least practical foods to deliver by drone. This week's guests: Thomas Easterby - Head of Fintech at HSBC Innovation Banking Arun Tharmarajah - Head of EMEA Banking and Payments at Wise Barry O’Donohoe - CEO and Co-founder of Raidiam Featuring voice notes from: Colin Payne - Head of Innovation at the FCA Timestamps/stories Intro - (00:00)Wise challenges India’s Forex Card market: announces country’s first travel card- (06:17) UK venture funding reaches multi-year high according to HSBC Innovation’s Q3 figures⁠ -⁠(20:16)⁠⁠ Goldman Sachs is acquiring Industry Ventures for up to $965M as alternative VC exits surge ⁠⁠- (34:41)⁠ ⁠⁠⁠⁠Revolut faces further UK license delays; acquires AI travel agent-⁠⁠ (45:57) As food delivery drones take off in Ireland, here are the most popular items-(53:54)⁠ ⁠⁠⁠⁠New California law bans loud ads on streaming services for ‘peace and quiet’⁠⁠- (56:10) -- Links to check out: Join our WhatsApp community, where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to. ⁠⁠⁠⁠https://chat.whatsapp.com/KpA4gFbbWDlLFm7kx39raf⁠⁠⁠ -- ⁠⁠⁠⁠⁠⁠⁠ About Fintech Insider: Fintech Insider by 11:FS is a bi-weekly podcast that covers everything from finance and banking to technology and the latest trends in financial services. Our expert hosts, with hands-on industry experience, are joined by key decision-makers, VCs, and top reporters from across the financial landscape, including guests from companies like Stripe, Revolut, Plaid, PayPal, and Monzo. Together, they break down the biggest news and innovations shaping the space. Our weekly news show drops every Monday, covering major stories like mergers, new product launches, regulatory shifts, and emerging tech trends. On Thursdays, our Insights show goes deeper into the hottest topics driving the future of finance, including AI in banking, decentralised finance, and the evolving landscape of embedded finance. Whether you're already in the fintech game or just starting to explore, this is the #1 podcast for you. If you enjoyed this episode, don’t forget to subscribe and leave a review! Got a question for us? Email ⁠⁠⁠⁠podcasts@11fs.com⁠⁠⁠⁠! Learn more about your ad choices. Visit megaphone.fm/adchoices
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    1 h y 2 m
  • 1006. Insights: AI in banking: What it really means for the customer

    1006. Insights: AI in banking: What it really means for the customer
    Oct 16 2025
    About this episode: AI is everywhere-your newsfeed, your boardroom, your LinkedIn inbox. But when it comes to real, customer-facing use cases in finance… there’s not much to see. Why isn’t AI transforming the customer experience yet? What’s working behind the scenes, and what’s just hype? On this episode we’re cutting through the hype. From smart chatbots and virtual agents to automated KYC, compliance, and document checks, AI is making an impact but mostly behind the curtain. It’s saving time, reducing errors, and sometimes even beating humans at speed. The real challenge? Turning that quiet efficiency into a transformative customer experience. David Barton Grimley is joined by three experts who live and breathe AI in financial services to unpack what’s real, what’s next, and how we move from quiet automation to game-changing customer impact. This week's guests: Oscar Barlow - Head of AI Advocacy at Starling Vivek Madlani - Co-founder and CEO of Multiply Ai Rosie Lee, Senior UX Researcher & Customer Strategist at 11:FS -- Links to check out: Join our WhatsApp community, where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://chat.whatsapp.com/KpA4gFbbWDlLFm7kx39raf⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Support our charity partner School-Home Support ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -- About 11:FS At 11:FS, we don’t just talk digital - we make it happen. We're building truly digital financial services by partnering with bold teams to take them from market insights to real-world products. Whether you're an incumbent innovating or a startup breaking new ground, we bring the strategy, research, design, and delivery to make it real. Less talk, more impact.Proud winners of the British Bank Award for Consultancy of the Year - five times and counting. 👉 Learn more at ⁠⁠⁠⁠⁠11fs.com/ventures⁠⁠⁠⁠ -- About Fintech Insider: Fintech Insider by 11:FS is a bi-weekly podcast that covers everything from finance and banking to technology and the latest trends in financial services. Our expert hosts, with hands-on industry experience, are joined by key decision-makers, VCs, and top reporters from across the financial landscape, including guests from companies like Stripe, Revolut, Plaid, PayPal, and Monzo. Together, they break down the biggest news and innovations shaping the space. Our weekly news show drops every Monday, covering major stories like mergers, new product launches, regulatory shifts, and emerging tech trends. On Thursdays, our Insights show goes deeper into the hottest topics driving the future of finance, including AI in banking, decentralised finance, and the evolving landscape of embedded finance. Whether you're already in the fintech game or just starting to explore, this is the #1 podcast for you. If you enjoyed this episode, don’t forget to subscribe and leave a review! Got a question for us? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠podcasts@11fs.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Learn more about your ad choices. Visit megaphone.fm/adchoices
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    48 m
  • 1005. News: Are Checkout and Monzo reviving the British fintech invasion?

    1005. News: Are Checkout and Monzo reviving the British fintech invasion?
    Oct 13 2025
    About this episode: Host Kate Moody, Customer Strategy Director 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: Checkout takes a bold step into U.S. banking with its new charter license - but what does that really mean in practice? We dig into the implications. Yapily joins us to discuss their new account verification service for business customers across Europe, and we unpack why this matters now more than ever. We also take a closer look at Yup’s sizeable funding round - and explore why this is such an exciting moment for the Southeast Asian fintech market. Meanwhile, Monzo is making serious moves in the U.S., and our panellists weigh in with their predictions. Back in the UK, social enterprise The Big Issue has teamed up with fumopay to enable sellers to accept open banking payments - a big step forward in financial and digital inclusion. And finally, we take a look at California’s new law banning loud ads on streaming services. Will it bring peace and quiet - or crank up the volume on regulatory debate? This week's guests: Dan Dall'Asta - General Partner at Foxe Capital Stefano Vaccino - Founder and CEO of Yapily Grant Evans - VP, Sales and Partnerships at Worldpay for Platforms Featuring voice notes from: Jordan Reynolds, MALPB CEO and Head of North America Banking David Barton Grimley, Director of Strategy and Head of Product at 11:FS Timestamps/stories Intro - (00:00) Checkout sees US bank Charter for Card Payment processing- (06:22) Yapily supports Google to provide bank account verification services for business customers in Europe -(20:01)⁠ Yup raises $32m for Southeast Asian digital bank ⁠⁠- (35:15) ⁠⁠⁠Monzo plots new move for US banking licence⁠ -⁠ (42:52) Big Issue partners fumopay to let sellers accept open banking payments-(54:51) ⁠New California law bans loud ads on streaming services for ‘peace and quiet’⁠- (56:31) -- 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 -- ⁠⁠⁠⁠⁠ 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 3 m
  • 1004. Insights: The stablecoin stack: building real-world payment rails

    1004. Insights: The stablecoin stack: building real-world payment rails
    Oct 9 2025
    About this episode: Stablecoins Yep, we’re talking about those again - but this time, the story’s changed. The market has jumped to $270B, transaction volumes are rivalling SWIFT, and - finally - stablecoins are making real money. In this episode of Fintech Insider Insights, in partnership with Fireblocks, David Barton-Grimley is joined by an expert panel to get practical on how to actually operationalise stablecoin payments: from architecture and compliance to KPIs and common pitfalls. No more whitepapers - this is stablecoins, in the real world. This week's guests: Ran Goldi - SVP Payments and Network at Fireblocks ⁠Lux Thiagarajah⁠ - Chief Commercial Officer at OpenPayd Anoosh Arevshatian - Chief Product Officer at Zodia Custody Find out more about ⁠⁠Fireblocks⁠ -- 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
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    55 m
  • 1003. News: SWIFT embraces blockchain, JP Morgan ditches Nutmeg and what do digital IDs mean for fintech?

    1003. News: SWIFT embraces blockchain, JP Morgan ditches Nutmeg and what do digital IDs mean for fintech?
    Oct 7 2025
    About this episode: Host Benjamin Ensor, Director of Research and Strategy, 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: This week: SWIFT joins forces with global banks in a major blockchain overhaul - we break down what it means. The UK mandates digital ID checks for the right to work, but what’s the impact on fintech innovation? We hear from Paygentic about their next-gen payment infrastructure -an AI-first approach that could shake up the space. And speaking of AI, OpenAI and Stripe are teaming up on ChatGPT-powered payments. Plus, we say goodbye to Nutmeg as JPMorgan unveils its digital wealth revamp. And finally, the big question: are concert tickets officially out of control? This week's guests: Sam Alarco - Co-founder of Paygentic Stephen Richardson - Chief Strategy Officer and Head of Banking at Fireblocks Samantha Emery - FS Executive and NED Timestamps/stories Intro - (00:00) ⁠⁠SWIFT and top global banks working on blockchain-based overhaul- (07:25) ⁠⁠UK Mandates Digital ID for Right to Work Checks, Sparking Fintech Innovation Concerns ⁠- (21:35) ⁠⁠Paygentic unveils AI-first payment infrastructure for next-gen applications⁠ - (38:14) Open AI and Stripe partner for Chat GPT Payments JP Morgan ditches Nutmeg brand in digital wealth revamp Concert tickets aren’t expensive enough actually, says Live Nation CEO -- Links to check out: Join our WhatsApp community, where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to. ⁠⁠https://chat.whatsapp.com/KpA4gFbbWDlLFm7kx39raf⁠ -- ⁠⁠⁠ About Fintech Insider: Fintech Insider by 11:FS is a bi-weekly podcast that covers everything from finance and banking to technology and the latest trends in financial services. Our expert hosts, with hands-on industry experience, are joined by key decision-makers, VCs, and top reporters from across the financial landscape, including guests from companies like Stripe, Revolut, Plaid, PayPal, and Monzo. Together, they break down the biggest news and innovations shaping the space. Our weekly news show drops every Monday, covering major stories like mergers, new product launches, regulatory shifts, and emerging tech trends. On Thursdays, our Insights show goes deeper into the hottest topics driving the future of finance, including AI in banking, decentralised finance, and the evolving landscape of embedded finance. Whether you're already in the fintech game or just starting to explore, this is the #1 podcast for you. If you enjoyed this episode, don’t forget to subscribe and leave a review! Got a question for us? Email ⁠⁠podcasts@11fs.com⁠⁠! Learn more about your ad choices. Visit megaphone.fm/adchoices
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    1 h y 2 m
  • 1002. Insights: The digital transformation race: big banks vs neobanks.

    1002. Insights: The digital transformation race: big banks vs neobanks.
    Oct 2 2025
    About this episode:In this episode, in partnership with Enfuce, host Benjamin Ensor dives into the real state of banking transformation in today’s digital-first world. It’s no longer just legacy banks versus neobanks; it’s about who can truly meet rising customer expectations, master regulatory complexity, and scale quickly without breaking what already works. Are the big banks finally pulling ahead, or are nimble neobanks still leading the charge? We unpack what modernisation really means—from infrastructure and innovation to trust and real-time delivery. Tune in as we explore the strategies shaping the future of banking. This week's guests: Denise Johansson - Co-founder and CEO of Enfuce Andy Sturrock - CTO of Atom Bank Richard Davies - CEO of Allica Bank Find out more about ⁠⁠Enfuce -- 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
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    47 m
  • Bonus: Shaping the future of finance: Derek White on big banks, bold moves and building at Galileo

    Bonus: Shaping the future of finance: Derek White on big banks, bold moves and building at Galileo
    Oct 1 2025
    About this episode: On this episode of Fintech Insider, host David M. Brear sits down with Derek White, a leader who’s helped shape the future of finance from the inside across global banks, cutting-edge tech giants, and now, as CEO of Galileo. We dive into: Derek’s unique career journey: from traditional banking to transformational innovation How his experience is shaping the next phase of financial infrastructure at Galileo The trends, technologies, and opportunities defining the future of embedded finance What it really takes to drive change inside the biggest players in the industry If you’re interested in the intersection of legacy institutions and new-school fintech, this one’s a must-listen. This week's guest: Derek White - CEO at Galileo -- 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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    55 m
  • 1001. News - After Dark: Starling's glow-up, Gen Z’s saving streak and WhatsApp moves into SME payments

    1001. News - After Dark: Starling's glow-up, Gen Z’s saving streak and WhatsApp moves into SME payments
    Sep 29 2025
    About this episode: Our expert hosts Ross Gallagher and Kate Moody present Fintech Insider News live from Village Underground in London, along with some great guests to discuss the biggest fintech and financial services news this week. Stories covered on the podcast this week include: Starling unveils a bold new rebrand and a scheme aimed at helping the UK get 'better with money'. We dive into fresh data suggesting Gen Z are saving more than any other generation, and our panellists share their take on Meta’s new SME payment feature. Plus, we wrap up with a very special birthday celebration to mark 1,000 episodes of Fintech Insider. This week's guests: Charlotte Crosswell - Chair of Raidiam and Fintech NED Marcin Glogowski - Senior Vice President and Managing Director for Europe and UK CEO of Marqeta Sarah Kocianski - Fintech Consultant Timestamps/stories Intro - (00:00) ⁠Starling unveils new logo, app and cards to promote ‘good with money’ mission- (07:25) ⁠Banks face loyalty crisis as Gen Z trades institutions for influencers - (21:35) ⁠Meta lets small businesses offer in-WhatsApp payments - (38:14) This edition of After Dark was sponsored by Marqeta, Fireblocks and SECCL. -- Links to check out: Join our WhatsApp community, where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to. ⁠https://chat.whatsapp.com/KpA4gFbbWDlLFm7kx39raf -- ⁠ About Fintech Insider: Fintech Insider by 11:FS is a bi-weekly podcast that covers everything from finance and banking to technology and the latest trends in financial services. Our expert hosts, with hands-on industry experience, are joined by key decision-makers, VCs, and top reporters from across the financial landscape, including guests from companies like Stripe, Revolut, Plaid, PayPal, and Monzo. Together, they break down the biggest news and innovations shaping the space. Our weekly news show drops every Monday, covering major stories like mergers, new product launches, regulatory shifts, and emerging tech trends. On Thursdays, our Insights show goes deeper into the hottest topics driving the future of finance, including AI in banking, decentralised finance, and the evolving landscape of embedded finance. Whether you're already in the fintech game or just starting to explore, this is the #1 podcast for you. If you enjoyed this episode, don’t forget to subscribe and leave a review! Got a question for us? Email ⁠podcasts@11fs.com⁠! Learn more about your ad choices. Visit megaphone.fm/adchoices
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    59 m