Fintech Insider Podcast by 11:FS
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 six 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.
Episodes
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1113. Insights: What happens to banking when money manages itself?
About this episode: As AI agents become capable of automatically moving money, optimising savings and making financial decisions on our behalf, could they fundamentally challenge the way banks make money? Host Ross Gallagher is joined by Conrad Ford from Allica Bank, Merusha Naidu from...
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1112. News: Plum gets targeted support green light, Chargebacks911 protects AI purchases, and Mastercard teams with MrBeast
About this episode: Host Kate Moody – Customer Strategy Director 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: Daniel Wills- Senior Financial Advisor at Plum Matthew Goldman - Founder and...
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1111. Insights: Make a wish! What would you wish to change about Financial Services?
About this episode: It's episode 1111 of Fintech Insider, and we're making a wish! To celebrate this milestone, we're turning the tables on our usual hosts and asking a simple question: If you could change anything about financial services, what would you wish for? Stepping in as our Fintech…
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1110. News: Acorns targets Gen Z, Huntington teams up with Google Cloud, and Confide tackles agentic governance
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: Pav Gill - Founder and CEO at Confide Vijay Konduru - Head of Business...
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1109. Insights: When AI agents become your colleagues, who keeps them in check?
About this episode: AI agents are moving beyond helping employees work faster. They're increasingly being connected to company knowledge, internal systems and workflows, allowing them to take action and become part of how organisations operate. But as AI agents become more capable, how much...
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1108. News: Ramp hits $60bn valuation, UK venture capital breaks records, and Bank of America and Amex face AML fines
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: Joe Parkin - Managing Partner, FG Partners Kemi Odusan - Head of Growth, spektr Marit...
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1107. Insights: Can banks turn high earners into wealthy customers?
About this episode: Earning a good salary doesn't necessarily mean building wealth. For a growing group of high earners, often referred to as HENRYs (High Earners, Not Rich Yet), the journey from financial success to long-term wealth can be surprisingly difficult. While traditional banking…
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Bonus: Inside Project Nemo’s mission to make banking work for everyone
Millions of people need support managing their money, but financial services aren't always designed to make that easy, safe or accessible. So what needs to change? Host David M. Brear is joined by Joanne Dewar, Co-Founder of Project Nemo, and Anna Wallace, CEO of the Centre for Finance…
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1106. News: ASOS hit by cyberattack, UK finance eyes tokenisation, and can open banking help tackle credit exclusion?
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: Alex Marsh - CEO of Salad Group Veronica Glab - Factional consultant Alex Gluchowski -...
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1105. Insights: Who owns the banking relationship in the AI era?
About this episode: As AI becomes another interface between customers and their money, could banks lose their place at the centre of the financial relationship? Host Kate Moody is joined by Udi Ziv, CEO of Personetics, Megan Caywood, CEO of Caywood, and Ron Shevlin, Chief Research Officer at...
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1104. News: Nubank rules out Monzo takeover, Checkout.com opens the books, and Ramp hits Broadway
Welcome to this week’s Fintech Insider News podcast, where host Benjamin Ensor is joined by expert guests to unpack the biggest fintech and financial services stories of the week - and, for this week only, a little bit of theatre, darlings. This week's guests: Rory O'Neill - Chief Marketing…
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1103. Insights: Who’s winning the US digital banking race?
About this episode: US banking customers have more choice than ever. But does more choice mean better banking? Host Benjamin Ensor is joined by Joe Colchester, Head of Product at 11:FS Pulse, and Oliwia Wasik, Product Manager and Benchmark Lead at 11:FS Pulse, to unpack the findings from Pulse’s...
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1102. News: Amazon blocks Meta’s AI agent, Ryft raises £20m, and Sprive bags $10m
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: Sadra Hosseini, CEO at Ryft Oban MacTavish - Co-Founder and CEO at Spade...
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1101. Insights: Why does your financial life reset when you move countries?
About this episode: Moving countries has never been easier. But what happens when your financial identity doesn’t move with you? Host Benjamin Ensor is joined by Merusha Naidu, Global Head of Partnerships at Paymentology, Ibrahim Oladele, Founder of Maxim, and Valerie Kontor, Founder of Black in...
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1100. News- After Dark: Nubank takes on the US, Monzo Aura launches, and can you trust AI with your money?
About this episode: Our expert host David M. Brear, CEO at 11:FS, and co-host Kate Moody, Customer Strategy Director at 11:FS, present a very special edition of Fintech Insider News live from Village Underground in London. Joined by some fantastic guests and our live audience, we celebrate our...
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1099. Insights: Subscription banking - Can banks turn customers into subscribers?
About this episode: Subscription banking is growing – but what makes customers willing to pay for something they’ve traditionally expected for free? In this episode of Fintech Insider Insights, host Ross Gallagher is joined by Joe Wilson, Chief Evangelist and Senior Strategist at bunq, and Lukas...
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1098. News: Chime buys Stride Bank, Molten raises £175m, UBS puts AI on the job spec
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: Nadia Edwards-Dashti - Chief Customer Officer at Harrington Star John Reynolds…
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1097. Insights: When money moves 24/7, can treasury keep up? With J.P. Morgan
About this episode: Money moves around the clock. But can treasury keep up? In this episode of Fintech Insider, in partnership with J.P. Morgan, host Benjamin Ensor is joined by Amy Eckhoff and Ross Webster from J.P. Morgan, alongside Nium’s Heather O'Gorman, to explore what liquidity management...
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1096. News: Singapore puts $173m behind fintechs, Plum picks Upvest, and US regulators tighten the rules
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: Valentina Kristensen - Corporate Affairs Director (CAD) at OakNorth Rashmi d'Souza - VP,...
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1095. Insights: Is financial services failing Gen Z?
About this episode: Gen Z is often told it needs to get better with money. But with younger people facing a very different economic reality, does Gen Z really have a financial literacy problem — or does financial services have a Gen Z problem? Host Kate Moody is joined by Neil Kadagathur,...
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1094. News: UK fintech funding hits a decade low, NatWest backs accessible banking, and Pay.com.au takes on America
About this episode: Host Kate Moody - Customer Strategy Director 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: Clare Black - COO at CFIT Joe Parkin - Managing Partner at FG Partners Blake...
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1093. Insights: What it’s really like to start a fintech in 2026
Starting a fintech has never been easier but has building a successful one ever been harder? Host David M. Brear is joined by Fatbardha Rino, CEO of Jet Bank, and Herbie Wildwood, Founder of Legacy, to explore what it really takes to build a fintech in 2026, from funding and differentiation to…
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1092. News: Finally, the robots take over: Starling gets smarter, Stripe buys OpenRouter, and Visa and Mastercard unite on agentic payments
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 Stefano Pasquali - Head of Financial Services at...
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1091. Insights: Can AI make us financially healthier?
About this episode: For years, financial wellness has focused on helping people become better at managing their money. But what if the next generation of financial products could take some of that burden away entirely? Host Ross Gallagher is joined by Lucy Wayment, Co-founder of Welleness, and...
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1090. News: Can anyone stop Revolut? Can Countingup and Griffin tackle SME pain? Can the FCA help UK fintechs scale?
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: Phoebe Wallis - Chief Revenue Officer at Griffin Veronica Glab - Strategic…
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1089. Insights: Why does wealth management arrive too late?
About this episode: For many founders, selling a company is seen as the finish line. But some of the biggest financial decisions around an exit happen long before the deal is done - so why does wealth management so often arrive too late? Host David Brear is joined by Stephany Kirkpatrick, founder...
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1088. News: Visa bets $2.4bn for BioCatch, InvestiFi raises $20m, and HSBC pulls back in Australia
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: James Holmes, Chief product officer at Seccl Benjamin David, Head of...
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1087. Insights: Can anyone fix homebuying?
Buying a home is one of the biggest financial decisions most people will ever make. Yet despite years of digital innovation, the experience remains fragmented, stressful and surprisingly analogue. Host Benjamin Ensor is joined by a great panel to explore why homebuying still feels so broken, how...
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1086. News: Wise tries again in the US, Western Union shuts its digital bank and Brazil reinvents BNPL
Host Kate Moody - Customer Strategy Director 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: Matthew Goldman - Founder and Managing Member at Totavi Neira Jones - Advisor, keynote speaker and...
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1085. Insights: Are Neobanks replacing private banking?
About this episode: For years, neobanks competed by offering better banking experiences. Now, the biggest players are expanding into investing, AI-powered financial guidance, wealth management and premium services—areas once dominated by private banks. In this episode, host Ross Gallagher is…
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1084. News: Ant's $1.2bn Raise, Teya Doubles Down on SMEs and Revolut Lands licence in Australia
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: Alessandra Giner - Chief Product Officer, Teya Simone Joyce - Chief...
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1083. Insights: Why does running a business still feels harder than it should? With Sage
About this episode: In this episode, with partnership with Sage, we're exploring why running a business still feels harder than it should—and how embedded experiences are changing that. Host Kate Moody, Customer Strategy Director at 11:FS, is joined by Gordon Stuart, SVP of Embedded Services at...
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1082. News: Stripe bids for PayPal, BNPL regulation kicks in, and Nubank secures a Mexican banking licence
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: Alex Marsh, CEO at Salad Group Danielle Labarbera, VP of North America…
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1081. Insights: The future of Robinhood. A conversation with UK President Jordan Sinclair
Come watch Fintech Insider live in London - 11fs.com/afterdark About this episode Robinhood has just unveiled one of the biggest product launches in its history, centred around a bold vision for Borderless Markets. From tokenised stocks and ETFs to Robinhood Chain and AI-powered investing, the...
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1080. News: Klarna applies for a US banking licence, LemFi buys Wealth8, and Santander open-sources AI
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: Dave Morris - CEO of FoundryOS Kaley Addo - Head of UK operations of Upvest Jason…
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1079. Insights: US firms leading the AI customer experience race
In this episode, we're exploring one of the biggest themes shaping financial services today: how US firms are leading the AI customer experience race. Host Kate Moody, Customer Strategy Director at 11:FS, is joined by members of the 11:FS Pulse team: Joe Colchester, Head of Product, and Oliwia...
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1078. News: FCA unveils crypto rules, Airwallex hits $11bn valuation, and Jet Bank launches Albania's first digital bank
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: Fatbardha Rino - CEO at Jet Bank Veronica Glab - Strategic Partnerships...
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1077. Insights: What does it take to build the bank of the future? With Engine by Starling
In this episode, we're exploring what it takes to build modern banking technology from the ground up. Host Ross Gallagher - Head of Consulting at 11:FS - joined by Sam Everington, CEO of Engine by Starling, and Jody Bhagat, President of North America at Engine by Starling. They discuss how banks...
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1076. News: US and UK push stablecoins, Flutterwave lands $3.2bn, and Green-Got makes Crowdcube history
About this episode: Host Kate Moody - Customer Strategy Director 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: Valerie Kontor - Founder of Black in Fintech Matt Cooper - Co-CEO of Crowdcube…
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1075. Insights: What are the new rules of fintech marketing?
About this episode: In this episode, we're diving into one of the biggest challenges facing fintech growth right now: standing out. From brand building and customer acquisition to AI-powered marketing and community-led growth, we unpack how fintechs are finding, engaging and retaining customers…
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1074. News: Nuvei splashes the cash on Payoneer, Current raises $80M to improve Americans' financial health
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. Download Plaid's State of intelligent finance in the UK report This week's guests: Maia Bittner…
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1073. Insights: From stablecoins to AI agents - how Stripe is changing the internet economy
About this episode: In this special episode of Fintech Insider Insights, recorded live at Stripe Tour London, we're joined by two Stripe leaders to explore how the internet economy is evolving - and the infrastructure powering its next chapter. First, Benjamin Ensor sits down with Neetika Bansal,...
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1072. News: All about partnerships: Barclays x CommonAI, Monzo x Fair4All Finance, Stripe x Lloyds
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: Mei Lim, Group CFO and Managing Partner of Anthemis Diana Kamil-Salmon, Associate Director at...
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1071. Insights: Fintech's coming home - The growing relationship between fintech and football
About this episode: What do Arsenal, Manchester United, Nottingham Forest and the Home Nations football teams have in common? They're all partnering with fintech brands. In this episode of Fintech Insider Insights, Kate Moody is joined by leaders from Zilch, Sokin and JPMorgan to explore why...
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1070. News: Enfuce report calls for more payment choice, Acquired backs UKPI, and TransferMate embraces stablecoins - Live from Money20/20 Europe
About this episode: Host Ross Gallagher - Head of Ventures 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: Niklas Apellund, CTO and Co-Founder, Enfuce Megan Caywood, Founder and CEO, Caywood…
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1069. Insights: Can stablecoins escape the fintech bubble? - Live from Money 20/20 Europe
About this episode: Are stablecoins actually breaking into the mainstream financial system - or are they still largely trapped inside the fintech bubble? In this episode of Fintech Insider Insights, in partnership with Formance and live from Money 20/20 Europe, Ross Gallagher joined by Ayelen...
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1068. News: Monzo drops millions on growth, Mastercard and QNB expand into Syria, and Legacy rethinks charitable giving
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: Herbie Wildwood - Founder, Legacy Ozan Ozerk - Founder, OpenPayd Sarah...
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1067. Insights: Can regulation become fintech’s biggest enabler?
About this episode: Is regulation really the thing slowing innovation down — or is the bigger challenge how firms respond to it? In this episode of Fintech Insider Insights, Benjamin Ensor is joined by Colin Payne, Head of Innovation at the FCA, and Kate Moody, Customer Strategy Director at…
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1066. News: OpenAI enters finance, Revolut pushes into wealth, and Primer raises $100m
About this episode: Host Kate Moody - Customer Strategy Director 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: Hannah Duncan - Financial Journalist & Freelance Writer Gabriel Le Roux - CEO,...
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1065. Insights: Is agentic AI the future of investing?
About this episode: As AI moves from supporting investment decisions to making them, what happens to trust, accountability, and control? In this episode of Fintech Insider Insights, Benjamin Ensor is joined by Jannick Malling, Co-founder & Co-CEO at Public.com, Megan Caywood, Founder & CEO at...
About this show
Fintech Insider is your ultimate guide to the world of finance and fintech from 11:FS - the leading independent fintech consultancy, recognised six 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.
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11:FS
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