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
About this episode:
Advice is regulated and personalised. Guidance is broader and safer - but that line is starting to blur.
In this episode of Fintech Insider Insights, host Kate Moody explores the gap between what financial institutions offer and what customers actually need.
As apps increasingly nudge behaviour and shape decisions, we ask whether guidance is really just advice with disclaimers - and whether customers are bei...
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About this episode:
Host Laura Watkins - Director of Media and Marketing at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.
This week's guests:
Michèle Richner, CMO & Managing Partner, Tenity
Will Hay, Principal, Flagship Advisory Partners
James Callinan, Manager, Thistle Initiatives
Stories/timestamps:
Intro - (00:01)
Natwest, HSBC, Lloyds fa...
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April 30, 2026 • 42 mins
About this episode:
Latin America is one of the fastest-growing e-commerce markets in the world - but winning there isn’t easy.
In this episode of Fintech Insider Insights, in partnership with PPRO, Benjamin Ensor is joined by some great guests to explore why APAC merchants are expanding into LATAM, the $100bn cross-border opportunity, and why payments are critical to success.
We break down the key challenges, local payment met...
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April 27, 2026 • 57 mins
About this episode:
Host Benjamin Ensor - Director of Research and Strategy at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.
This week's guests:
Lesia Kupriienko - Industry Lead, Finance at AppsFlyer
Maria Harris - Chair, Open Property Data Association
Plus a voice note from:
Monique Biady, Head of Commercial at Checkout.com
Stories/timestamp...
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April 23, 2026 • 52 mins
About this episode:
What does customer loyalty really mean in financial services - and has it ever been real? In this episode of Fintech Insider Insights, Kate Moody is joined by Rosie Lee, Jas Shah, and Alex Johnson to unpack the shifting nature of loyalty in a world where switching is easier than ever.
This week's guests:
Rosie Lee - Senior Customer Strategist at 11:FS
Jas Shah - Fintech Consultant & Author at Fintech: Under...
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About this episode:
Host Benjamin Ensor - Director of Research and Strategy at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.
This week's guests:
Raman Korneu, CEO at myTU
Mei Lim, Group CFO and Managing Partner at Anthemis’
Alexander Berrai, Deputy CEO at emerchantpay
Plus a voice note from:
Colin Payne - Head of Innovation at the FCA
Stories...
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April 16, 2026 • 45 mins
About this episode:
In this episode of Fintech Insider Insights, in partnership with Pleo, host Benjamin Ensor is joined by Jeppe Rindom (Co-Founder & CEO at Pleo) and Tulsi Narayan (EVP, Commercial and New Payment Flows, Europe at Mastercard) to explore the next phase of embedded finance — as it evolves from a handy feature into critical infrastructure.
Find out more about Pleo Embedded at https://embedded.pleo.io/
This week's...
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About this episode:
Host Laura Watkins - Director of Media and Marketing at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.
This week's guests:
Oliver Smith - Head of content at Money 20/20 Europe
Sarah Kocianski - Fintech consultant and analyst
Chaimae Chouiekh - Business reporter at The Logic
Stories/timestamps:
Intro - (00:01)
Jamie Dimon’s ...
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April 9, 2026 • 56 mins
About this episode:
Is the traditional checkout about to disappear?
Benjamin Ensor is joined by Rory O’Neill, Sahar Attaripour, and Sam Boboev to explore the rise of agentic payments - a fundamental shift from executing transactions to delegating intent. The panel dives into whether we are ready to let AI spend our money, who carries the risk when an agent makes a mistake, and how this "control-plane battle" will reshape the fut...
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April 6, 2026 • 70 mins
About this episode:
Host Ross Gallagher - Head of Consulting at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.
This week's guests:
Jannick Malling - Co-CEO and Co-Founder of Public
Fliss Berridge - Director of Blue Strawberry Thinking
Dave Morris - CEO of FoundryOS
Stories/timestamps:
Intro - (00:01)
Investors on Public can now build AI Agent...
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April 2, 2026 • 48 mins
About this episode:
Is treasury becoming a strategic powerhouse?
Benjamin Ensor is joined by Adyen’s Adrian Davis and BCG’s Stanislas Nowicki to explore how real-time payments, rising customer expectations, and fragmented banking are reshaping corporate treasury - and why “intelligent money movement” could be a competitive advantage.
Find out more about Adyen at adyen.com
This week's guests:
Adrian Davis - Managing Director |...
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About this episode:
Host Laura Watkins - Director of Media and Marketing at 11:FS is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.
This week's guests:
David Sullivan - Data Director of Starling
Cem Güler, Head of PMO - DenizBank AG
Merusha Naidu - Global Head of Partnerships at Paymentology
Stories/timestamps:
Intro - (00:01)
Starling Launches UK’s Fir...
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March 26, 2026 • 50 mins
About this episode:
Prediction markets are booming but what are they, and why is everyone talking about them?
In this episode of Fintech Insider Insights, Kate Moody is joined by Emily Nicolle at Bloomberg and Kate Knibbs at WIRED to unpack the rise of platforms that let you “trade the future” - from elections to economic events.
Are these markets a powerful new forecasting tool - or just gambling in disguise?
We explore how ...
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About this episode:
Our expert host Ross Gallagher, and co-host Jamie Campbell, Co-CEO of 11:FS Holdings, present Fintech Insider News live from Village Underground in London, joined by some fantastic guests to discuss some of the interesting fintech and financial services stories of the week. (Spoiler: We've selected some Irish-themed content specifically for St. Patrick's Day!)
Stories covered on the podcast this week include: ...
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March 19, 2026 • 52 mins
About this episode:
Recorded live from J.P. Morgan’s e-commerce and fintech forum, 11:FS CEO David M. Brear is joined by an all-star panel to tackle a deceptively simple question: can you still launch a startup in 2026?
With AI reshaping how companies are built, capital becoming more disciplined, and geopolitics influencing everything from regulation to expansion, the old startup playbook is being rewritten in real time.
We exp...
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March 16, 2026 • 53 mins
About this episode:
Host Benjamin Ensor - Director of Research and Strategy at 11:FS is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.
This week's guests:
Dave Morris - CEO of FoundryOS
Veronica Glab - Strategic Partnerships Lead at Juice
Art Levy - Chief Business Officer at Brex
Stories/timestamps:
Intro - (00:01)Revolut secures full UK banking licence...
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March 12, 2026 • 50 mins
About this episode:
For years, banking has been framed as a battlefield: incumbents defending their turf while fintech challengers attack with better tech and customer experience.
But in 2026, that picture may have changed.
Ross Gallagher and David M. Brear (11:FS) are joined by Richard Davies (Allica Bank) and Sophie Guibaud (Building Alpha) to explore how the banking battlefield has evolved - and whether it has gone three-dim...
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About this episode:
Host Laura Watkins (Director of Media and Marketing at 11:FS) is joined by a brilliant panel to unpack these topics before diving into some of the biggest fintech stories of the week.
Sunday 8th March marked International Women’s Day, celebrating the social, political and economic achievements of women around the world. This year’s theme, “Give to Gain,” highlights the power of reciprocity and support - the i...
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March 5, 2026 • 43 mins
About this episode:
In this episode of Fintech Insider, David M. Brear sits down with Emily Turner, the newly appointed CEO of HSBC Innovation Banking UK, for a conversation about leadership, innovation, and the future of fintech in the UK.
Emily brings deep experience from across banking and venture. Before stepping into the role in June 2025, she spent more than a decade at Citi where she launched Citi Ventures UK, led the Glo...
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March 2, 2026 • 67 mins
About this episode:
Host David M. Brear, CEO of 11:FS, is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.
This week's guests:
Joe Colchester, Head of Product, 11:FS Pulse
Aditi Subbarao, Financial Services for Snowflake
Albert Malikov, Founder and CEO of Stacks
Stories/timestamps:
Intro - (00:01)
Stacks Raises $23 Million to Reinvent Finance Operations Wit...
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