Fintech Insider Podcast by 11:FS

Fintech Insider Podcast by 11:FS

Fintech Insider is your ultimate guide to the world of finance and fintech from 11:FS - the leading independent fintech consultancy, recognised five 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. Want to get involved in the conversation? Connect with us now on LinkedIn, Instagram and TikTok

Episodes

972. Insights: Unlocking global competitiveness in an AI-driven world - Live from Point Zero Forum

June 19, 2025 • 42 mins
On this week’s Fintech Insider Insights, we’re bringing you something a little bit different! Our CEO, David M. Brear, recently headed to the Point Zero Forum in Zurich, where he moderated a panel all about AI innovation - and what it takes for countries to stay competitive in this space. It was a super insightful conversation, and the brilliant team at PZF were kind enough to let us share it with you all. Hope you enjoy it! Th...
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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?

June 16, 2025 • 67 mins
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...
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970. Insights: The future of lending doesn't care about your credit score with Plaid, Affirm and N26

June 12, 2025 • 51 mins
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, immigran...
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969. News: Griffin goes AI, Mastercard’s new partnerships, and the top stories live from Money20/20

June 9, 2025 • 49 mins
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...
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968. Insights: How to improve spend management when on the move - Live from Money20/20 Europe

June 5, 2025 • 40 mins
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...
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967. News: Can Curve challenge Apple Pay? Plus: Google’s AI goes shopping

June 2, 2025 • 69 mins
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...
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966. Insights: Inside the unbundling and rebundling of financial services

May 29, 2025 • 54 mins
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 transf...
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Bonus: How Monzo stays online when everyone else goes down - with CTO Matej Pfajfar

May 28, 2025 • 28 mins
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 lik...
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965. News: Revolut eyes up French banking licence and is the BNPL honeymoon over amid tougher regulations?

May 26, 2025 • 64 mins
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 head...
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964. Insights: The future of payments is closer than you think

May 22, 2025 • 52 mins
On this episode of Fintech Insider Insights, in partnership with Visa, host David M. Brear is joined by an expert panel to explore the future of payments through two lenses: the real-world challenges merchants and payment providers face today, and the innovations shaping how we’ll pay in 2030. We look at: Why the post-2020 payments world demands more than just speed The rise of invisible payments and omnichannel expectatio...
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963. News: IPOs are on the horizon for Monzo and Chime, Stripe teams up with Ramp, and Klarna's boss says: less AI, more humans

May 19, 2025 • 65 mins
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: Monzo eyes up a potential IPO on the UK market whilst Chime announces their listing on the US market. Stripe and Ramp team up to enhance cross border payme...
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962. Insights: The UK’s fastest-growing fintech: in conversation with Richard Davies, CEO of Allica Bank

May 15, 2025 • 48 mins
About this episode: In this episode of Fintech Insider Insights, host David M. Brear is joined by Richard Davies, CEO of Allica Bank - the UK’s fastest-growing fintech focused on serving established small and medium-sized enterprises (SMEs). Richard shares how his unique background at traditional giants like HSBC and Barclays, combined with his time at fintech innovators like Revolut and OakNorth, has shaped his mission to build...
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961. News: Tide launches BNPL for small businesses, PayPal picks Germany for mobile wallet debut, and is The FCA about to clamp down on crypto?

May 12, 2025 • 59 mins
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: Tide is expanding its B2B offering, rolling out its Credit Flex feature for all its customers following a $100million debt raise. Paypal launches its fi...
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960. Insights: The future of Revolut with UK CEO Francesca Carlesi

May 8, 2025 • 51 mins
About this episode: In this episode of Fintech Insider Insights, David M. Brear welcomes Francesca Carlesi, the CEO of Revolut UK, for an in-depth conversation about one of the most transformative years in Revolut’s history. With a strong background in fintech and traditional banking, including co-founding the UK’s first digital mortgage lender, Francesca has brought a wealth of experience and entrepreneurial spirit to her role...
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959. News: Nubank lands Mexico licence, Thunes raises $150m and Robinhood Gold hits 3.2m subscribers

May 5, 2025 • 62 mins
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: Robinhood publishes its Q1 results showing an increase in both revenue and profit as it launches its latest offering, Robinhood Gold , to the wealth manage...
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958. Insights: The rise of digital wealth management – a conversation with Monument CEO Ian Rand

May 1, 2025 • 47 mins
On this special edition of Fintech Insider Insights, David M. Brear, Group CEO at 11:FS, is joined by Ian Rand, CEO of Monument Bank - a pioneering digital private bank designed for mass affluent individuals. Ian took the helm at Monument in 2022, bringing extensive experience from Barclays to lead the bank through a period of rapid growth. We dive into the key ingredients behind Monument’s success and explore what’s next for the f...
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957. News: Global Payments bags Worldpay, Circle launches cross-border network, and is Starling for sale?

April 28, 2025 • 67 mins
Advertisements: Sign up for a new account on Lightyear and receive $15 worth of a US fractional share when you use this link: http://lightyear.com/11fs or enter the code 11FS manually in the Promotions section. Code conditions: Complete onboarding and fund at least £50 into your General Investment Account after entering the code. The code can only be used if you haven’t redeemed any code before. Once conditions are met, you’ll g...
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956. Insights: The product leader’s guide to fighting fraud

April 24, 2025 • 44 mins
For those listening in GCC and Turkey, this episode is sponsored by XM. https://bit.ly/ClaimBonusFintech -- About this episode: Host David Barton-Grimley is joined by some great guests to explore what fintech product leaders are doing to combat fraud. Fraud isn’t going away anytime soon. Scammers now use artificial intelligence, deepfake video calls, and emotionally manipulative tactics - like romance scams - to exploit a growi...
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955. News: Revolut vs Amex, Stitch's big fundraise, and BNPL hits Coachella

April 21, 2025 • 67 mins
For those listening in GCC and Turkey, this episode is sponsored by XM: https://bit.ly/FintechCopyTrade  About this episode: Host Laura Watkins, Director of Media & Marketing, 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 is currently developing a new points-based credit...
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954. Insights: Is the ground shifting for fintech funders and founders?

April 17, 2025 • 48 mins
For those listening in GCC and Turkey, this episode is sponsored by XM. https://bit.ly/ClaimBonusFintech -- About this episode: On this week's Fintech Insider Insights, hosts Ross Gallagher and David Barton-Grimley are joined by some great guests to dive into funding. Some have argued that the fintech industry was born in the aftermath of the 2008 financial crash, fuelled by low interest rates, abundant capital, and the promi...
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