FinTech Insider by 11:FS

FinTech Insider by 11:FS

United Kingdom

Fintech is super hot with massive investments and big interest with constant news and change. There is lots of written content and events but there isn’t enough time to read everything in the day, and content is difficult to differentiate or boring. We have pulled together a team with experience, audience, and format who can deliver a podcast to the masses from the home of FinTech and Banking in London.

Episodes

Ep201 – Benoit Legrand, Global Head of FinTech at ING - FinTech Insider by 11:FS  

Today we're speaking to Benoit Legrand, Global Head of FinTech at ING. Benoit has more than 20 years of experience in transforming various areas of banking, and even founded a startup. In this interview he shares how ING is like a '20-year-old fintech,'  and why a team's banking experience is key to helping banks change.

“I’ve seen so many companies just trying to bring people from outside with a very digital background. But they are not speaking the banking language. And you need that to make sure that the power of the company is being used to transform itself."

Two decades ago, ING became the world's first branchless, online bank, offering services via phone and internet. Today the Dutch multinational has 33 million customers around the world.

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Ep200 – Transaction Banking: From Zero to Hero - FinTech Insider by 11:FS  

Transaction banking has been defined as “the plumbing of international business. It ensures that salaries get paid, money for goods and services gets delivered, in
vestment returns are credited where they belong, and the wheels of world trade keep turning” - Global Finance Magazine. In this episode, Mark Buitenhek (@MarkBuitenhek), Global Head of Transaction Services at ING, and Benoit Legrand (@_benoitlegrand), Global Head of FinTech at ING join us for transaction banking 101.

 

News

The Independent - Sir Ivan Rogers quits: Britain's EU ambassador attacks 'muddled' Brexit thinking in scathing resignation letter - Link
 TechCrunch - Monese raises $10M Series A for its banking app targeting immigrants and expats - Link 
House of Fraser also invests in Tandem - Link 
Finextra - China launches $1.5bn fintech fund - Link
FT - Bitcoin has all the attributes of a pyramid scheme - Link

 

Thanks for listening! If you get value from this podcast, please head on over to iTunes and leave us a review. You'll make our week!

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Ep136 – Leda Glyptis, Banking & FinTech Legend - FinTech Insider by 11:FS  

Leda Glyptis (@LedaGlyptis) should be first on your list for any dinner party. Full of wit and wisdom, this banking and fintech legend always takes conversations to the next
level. We talk to her about APIs and open banking, the aftermath of Brexit, PSD2, the golden rule she lives by and more.

“APIs are creating a Harry Potter moment," Leda says. "For a long time, a lot of technology was not permitted for use in banks. Now, we can redesign what we do because new things are possible. It’s absolutely inspirational.”

Enjoy the interview! If you like FinTech Insider, you'd make our week by leaving us a review on iTunes.

 

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Ep135 - Digital Banking is Only 1 Percent Finished - FinTech Insider by 11:FS  

Happy New Year from FinTech Insider! Wow, 2016 was an incredibly busy year for us. In addition to doing this podcast, in May we started a company called 11:FS, a fintech consultancy that helps banks become truly digital. One of our core beliefs is that digital banking is only 1% finished.

 

What does that mean?

 

Today we thought we’d recap, and share a little bit more about who we are at 11:FS. You'll hear clips of us speaking individually at an event we co-hosted with solarisBank in Berlin not that long ago. Then we’ll kick it over to the group discussion we had with solarisBank Board Member Marko Wenthin. You'll also hear from Andrea Rexer, Senior Editor at Sueddeutsche Zeitung.

 

Hope you enjoy the show! We speak at events all over the world. If you’re keen to learn more, email us at speaking@11fs.co.uk

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Ep134 – FinTech Predictions for 2017 - FinTech Insider by 11:FS  

Time to make fintech predictions for 2017! Will PSD II be the biggest disappoint of the year? How big will the challenger banks get? Is regtech the new fintech? We make predictions on all this and more.

 

We’re  joined by:

David Birch, Director of Innovation, Consult Hyperion @dgwbirch
Ben Brabyn, Chief Executive, Investor, Advisor, Level39 @BenBrabyn

 

Thanks for listening! If you like what you heard, subscribe to our podcast, review us on iTunes–we love reading those reviews!!–and befriend us on Facebook and/or Twitter.

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Ep133 – 2016 FinTech Review – What a Crazy Ass Year Part 2 - FinTech Insider by 11:FS  

And now for part 2 of our 2016 FinTech Review — What a Crazy Ass Hear This Has Been. We discuss Pokémon (remember that?), the UK ringing in a new Prime Minister, the US electing Donald Trump as President, the Wells Fargo scandal, Facebook payments, China, and, of course, us starting the FinTech Insider podcast! Plus lots more.

Sit back and enjoy our review of the major trends that shaped financial services for the second half of the year. We’re once again joined by:

David Birch, Director of Innovation, Consult Hyperion @dgwbirch
Izabella Kaminska, FT Alphaville blogger @izakaminska
Ben Brabyn, Chief Executive, Investor, Advisor, Level39 @BenBrabyn

 

Thanks for listening! If you like what you heard, subscribe to our podcast, review us on iTunes–we love reading those reviews!!–and befriend us on Facebook and/or Twitter.

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Ep132 – 2016 FinTech Review – What a Crazy Ass Year Part 1 - FinTech Insider by 11:FS  

You've had your holiday meals, now it's time to digest 2016. What a crazy ass year this has been. Brexit. President Trump. Chatbots and fake news. Wells Fargo scandal. Hacks taking down elections and ecommerce. China becoming a fintech star. PSD II and the promise of APIs.

So much happened in 2016, we're splitting our review into two parts. Today, you'll get a whistle stop tour of the major trends that shaped financial services for the first half of the year. We're joined by:

David Birch, Director of Innovation, Consult Hyperion @dgwbirch
Izabella Kaminska, FT Alphaville blogger @izakaminska
Ben Brabyn, Chief Executive, Investor, Advisor, Level39 @BenBrabyn

 

Thanks for listening! If you like what you heard, subscribe to our podcast, review us on iTunes–we love reading those reviews!!–and befriend us on Facebook and/or Twitter.

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Ep131 - Monzo Part 2: The Road to 1 Billion Customers - FinTech Insider by 11:FS  

We're back with Part 2 of our takeover of Monzo, one of our favourite challenger banks. In this episode, we dive into the details on how they're creating a truly digital bank. You'll learn how they're organised, building technology from the ground up, fostering a culture of trust and learning (fun fact: they all have access to each other's emails), what makes their design so special, why their community is so engaged, and more.

Our guests:

Jonas Huckestein, Co-Founder and CTO at Monzo @Jonas
Hugo Cornejo, Head of Design at Monzo @hugocornejo
Leah Templeman, Head of Operations at Monzo @leahtemplewoman

 

Monzo is hiring, you lucky ducks. Check it out.

 

Thanks for listening! If you like what you heard, subscribe to our podcast, review us on iTunes--we love reading those reviews!!--and befriend us on Facebook and/or Twitter.

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Episode 130 – Monzo Part 1: How to Build a Bank - FinTech Insider by 11:FS  

Field trip! This week we geek out at Monzo's headquarters in London. Monzo is one of our favourite challenger banks, which they're building from the ground up with help from thousands of customers. Their tagline: 'Finally, a bank as smart as your phone.' In this episode, you'll learn how to build a digital bank Monzo style. Our guests:

Jonas Huckestein, Co-Founder and CTO at Monzo @Jonas
Hugo Cornejo, Head of Design at Monzo @hugocornejo
Leah Templeman, Head of Operations at Monzo @leahtemplewoman

“Everything has originated from a very, very small group of people, a year and a half ago," Jonas says. "We had these very first prepaid cards, and we started inviting technology-savvy people in London to our offices for a hackathon to build cool things. We had a few hundred people like that, and then they told their friends, and then they told their friends...People would still consider themselves to be the members of a community as opposed to the users of a card that gives you free foreign transactions.”

 

Thanks for listening! If you like what you heard, subscribe to our podcast, review us on iTunes--we love reading those reviews!!--and befriend us on Facebook and/or Twitter.

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Ep129 - Xero: Giving 800,000 Business Owners Their Lives Back - FinTech Insider by 11:FS  

Gary Turner is Co-Founder and Managing Director at xero, which provides small- to medium sized businesses (SMBs or SMEs) with online accounting software. Forbes described xero as the “World's Most Innovative Growth Company.” In this episode, Gary talks about how he helped take xero from a 3-person startup with £50,000 in revenue to a company that will have £25M in revenue in 2017. He also shares his favourite productivity hacks, podcasts, and advice to those getting into fintech.

"We have a saying at xero," Gary says, "It’s not the big that eat the small, it’s the fast that eat the slow.' Focus on what it is you need to do, and do it really, really quickly. Don’t debate it, and don’t analyse it for three weeks, and don’t write a white paper on it, and don’t commission a survey. If you’re small, if you’re a startup, you can move at light speed, much quicker than anyone else can – use that advantage while you have it."

Gary Turner, Co-Founder and Managing Director at Xero @garyturner

Enjoy the show! If you like what you hear, subscribe, review us on iTunes, and follow us on Facebook and Twitter. You can always email us at fintechinsider@11fs.co.uk

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Ep128 - How FinTech is Revolutionising SMEs - FinTech Insider by 11:FS  

Business banking sucks, but it doesn't have to, say this week's stellar guests. The CEO of Tide and Co-Founders of xero and Penta join us to discuss how fintech is revolutionising SMEs (small- to medium sized enterprises/businesses). We talk to them about how fintech is giving business owners their lives back, simplifying processes, improving customer service, and saving them hours on admin every week so they can focus on growing their business.

 

Work/life balance is a major problem for small business owners, who work their day job then spend hours on admin in the evening. Software and smart solutions created by our guests and other fintechs will solve that problem. "So your admin requirement is going to go away dramatically and you’ll get your life back. That's my prediction for the next five years," says George Bevis, CEO of Tide.

 

Guests

George Bevis, CEO of Tide @GeorgeBevis
Gary Turner, Co-Founder and Managing Director at Xero @garyturner
Luka Ivicevic, Co-Founder at Penta @lukaivicev
Ghela Boskovich, founder of FemTechGlobal @GhelaBoskovich (thanks for guest co-hosting, Ghela!)

 

News

Finextra - China tops fintech ranking Link
International Business Times - The 'fintech' approach to data science and machine learning - Link
Finovate - Santander investing in Tradeshift - Link
TechCrunch - N26 launches in 17 more countries...but backs away from UK launch plans - Link
Forbes - Amazon Go Ends Checkout Lines And Shoplifting, Begins A New Era In Retail - Link

 

Thanks for listening! If you like what you heard, subscribe to our podcast, review us on iTunes--we love reading those reviews!!--and befriend us on Facebook and/or Twitter.

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Ep127Giving Banks Fintech Access Through One API - FinTech Insider by 11:FS  

Onboarding a fintech into a bank is expensive, due to acquisition and compliance costs, and the risks that come with different APIs. Railsbank,  which goes live in early 2017, will give banks access to the fintech world through one API. We talk to Nigel Verdon, CEO and Co-founder of Railsbank, about how his company serves as the glue between fintechs and banks.

 

Nigel Verdon, CEO & co-founder Railsbank, @nigelverdon

 

Enjoy the show! If you like what you hear, subscribe, review us on iTunes, and follow us on Facebook and Twitter. You can always email us at fintechinsider@11fs.co.uk

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Ep126 – Building in the FCA Sandbox - FinTech Insider by 11:FS  

Several of this week’s guests are part of the Financial Conduct Authority’s regulatory sandbox in the UK. The FCA created the sandbox as ‘safe space’ for startups and companies to test ideas before becoming fully regulated, saving them time and money. The objective is to encourage and deliver more effective competition in the interests of consumers. 

On the show, we'll talk about the benefits of being in the programme, how the FCA sandbox works, and what it takes to get your company accepted.

 

Guests this week:

Matt Herbert, Director of Strategy and Digital at British Bankers' Association @HerbertMatt
Hadi Kabalan, Managing Director at Otonomos for EMEA & the Americas @hadikabalan
Gene Vayngrib CEO & Co-founder of Tradle @urbien
Edward Maslaveckas, CEO & Co-founder at Bud @Ed_Masl

 

News This Week

£5 notes made from meat products - Link
TechCrunch - Yes, the UK now has a law to log web users’ browsing behavior, hack devices and limit encryption - Link
BBC - RBS worst hit in Bank of England stress test - Link
Banking Tech - New UK challenger bank Masthaven opens digital doors - Link
Royal Mint to issue digital gold Link
The Hill - Apple, Google, Amazon ask Trump for focus on financial tech - Link

 

The sandbox is open to firms from around the world, as long as they want to test in the UK market. Applications for the second cohort are open until January 19, 2017. To apply, email sandbox@fca.org.uk or visit the FCA website.

Enjoy the show! If you like what you hear, subscribe, review us on iTunes, and follow us on Facebook and Twitter. You can always email us at fintechinsider@11fs.co.uk

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Ep125 – Blockchain’s Godfather & Wealth’s Superhero - FinTech Insider by 11:FS  

Hello, FinTech Insiders! This week we chat with two awesome guests leading innovation in different areas: blockchain and wealth management. 

Jeff Garzik, Co-Founder of Bloq @jgarzik
Dave Bruno, Head of UBS WM Innovation @SuperDaveBruno

Jeff—whom we definitely consider a blockchain godfather—shares how he got interested in coding, bitcoin, and blockchain, and how he sees this space evolving.

Dave—aka 'SuperDaveBruno' on Twitter—talks to us about robo-advisors, digital wealth management, and why he's always on the offense when it comes to innovation.

Make sure you check out Dave's YouTube channel. Such great fun and you’ll learn a ton.

 

Enjoy the show! If you like what you hear, subscribe, review us on iTunes, and follow us on Facebook and Twitter. You can always email us at fintechinsider@11fs.co.uk

 

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Ep124 – Wealth: Robo-Advisors or Master of Puppets? - FinTech Insider by 11:FS  

Wealth Management isn’t just for the super rich anymore. It’s opened up to everyone. But the reality is, most of us aren’t taking steps now to have a nice life in the future—or even to be able to retire. This week, our expert guests discuss how we can solve this massive social problem. We also chat about robo-advisors, creating offense in wealth management, digital wallets, and, of course, Metallica.

 

Guests:

Dave Bruno, Co-Founder of YNOME and Head UBS WM Innovation @SuperDaveBruno
Jonathan Hey, Head of User Experience at Nutmeg @jonohey
Joe Parkin, Head of Wealth and Retail at iShares by Blackrock

 

The news this week

Bloomberg -  India's Misguided War on Cash - Link
Mashable - The Astronomical Rise of Mobile Wallets in India - Link
Coindesk - Goldman Sachs and Santander Leaves R3CEV - Link
Wired - Google is Amazing at Pictionary...Crowdsourced Machine Learning - Link
Wealth Management - Envestnet Yodlee Strikes Partnership With Morgan Stanley - Link
TechCrunch - German Online Wealth Management Platform Cashboard Scores €3M Series A - Link
Wealth Management - Metallica Bassist Takes Equity Stake in RIA - Link

 

For more about Dave Bruno, check out his YouTube channel.

For more on Jonathan Hey, visit sketchplanations.com.

For more on iShares by Blackrock, go to www.ishares.co.uk.

 

Enjoy the show! If you like what you hear, subscribe, review us on iTunes, and follow us on Facebook and Twitter. You can always email us at fintechinsider@11fs.co.uk

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Ep123 – FinTech Under the Influence - FinTech Insider by 11:FS  

Guests Sam Maule and Chris Gledhill are among the 100 most influential fintech leaders in 2016. Fun fact: Chris used to build software for submarines and Sam used to live on them.

 

Sam is Director of Digital & FInTech at NTT DATA Americas @sammaule
Chris is CEO and Co-Founder at Secco @cgledhill

 

Enjoy the show! If you like what you hear, subscribe, review us on iTunes, and follow us on Facebook and Twitter. You can always email us at fintechinsider@11fs.co.uk

 

 

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Ep122 – I Like Chatbots and I Cannot Lie! - FinTech Insider by 11:FS  

Are chatbots the last bridge to true AI? Or are we getting excited over nothing? We discuss whether chatbots are ready for primetime, as well as the latest fintech news. Guests this week:

Sam Maule, Director of Digital & FInTech at NTT DATA Americas @sammaule
Nigel Verdon, CEO & co-founder of Railsbank @nigelverdon
Leysa Li, Head of Content at Railsbank @LesyaLi

News we chatted about:

ValueWalk - Future of FinTech [INFOGRAPHIC] - Link
Business Insider - Chancellor Philip Hammond says UK is 'global fintech capital' as Nutmeg raises £30 million - Link
Banking Technology - More branches and jobs to go at Lloyds Banking Group - Link
City AM - Most fintech employees don't value diversity in the workplace - Link
Mattermark - AI Is The New New Thing (And It’s Taking Over) - Link
Finextra - PayPal sends cash with Siri - Link  
HBR - Simple Digital Technologies Can Reduce Health Care Costs - Link
Engadet - Twitter expands 'mute' and 'report' features to combat abuse - Link
Why chatbots are the last bridge to true AI - Link

 

Enjoy the show! If you like us, subscribe so you never miss an episode. And we'd love to see you on Facebook.

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Ep121 – Off the Chain! With R3 and RBS - FinTech Insider by 11:FS  

Richard Brown, Chief Technology Officer at R3, started building a blockchain platform called Corda from scratch a year ago. The distributed ledger platform is different from other blockchain platforms in that it's designed explicitly for and by the world's financial institutions. R3 is a consortium of over 75 of the world’s largest financial institutions, and Richard Crook, Head of Innovation Engineering at RBS, sits on its steering committee. He crystallized the mission statement that led to the creation of Corda, which will be available November 30.

We sit down with both Richards to talk about the current and future state of blockchain.

Richard Brown @gendal
Richard Crook@rickcrook

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Ep120 – Will FinTech Survive Trump?  Plus Blockchain’s Biggest Brains - FinTech Insider by 11:FS  

Will Trump roll back regulation? Did chatbots swing the election? The 11:FS team discuss with three brilliant guests:

Richard Brown - Chief Technology Officer, R3 - @gendal
Richard Crook - Head of Innovation Engineering, RBS - @rickcrook
Ajit Tripathy - Fintech and Digital Director, PWC -  @triptananda

Then these blockchain experts debate the fetishization of the distributed ledger technology, what blockchain really is, and where we’re headed.

The news

Business Insider - Here's what a Trump presidency means for US fintech - Link
Wired - The Political Twitter Bots Will Rage This Election Day - Link
Reuters - Exclusive: Goldman Sachs considers Frankfurt move over Brexit - Link
BankNXT - Bank of America’s new chatbot is a higher form of intelligence - Link
Bloomberg - A Warning for Fintech - Link
ZDNet - Banco Sabadell: Fintech and platforms in transition - Link
Motherboard - After 20 Minutes of Listening, New Adobe Tool Can Make You Say Anything - Link  

Enjoy the show! If you like us, subscribe so you never miss an episode.

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Plus Blockchain’s Biggest Brains
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Ep119 – Back on the Blockchain Gang! - FinTech Insider by 11:FS  

11:FS' resident blockchain geek, Simon Taylor, is in heaven this week. Today we bring you ace interviews with

Adam Ludwin, Co-Founder & CEO at Chain - @adamludwin

Trent McConaghy, Founder & CTO of BigchainDB - @trentmc0

Later this week, we’ve got another fantastic blockchain episode with R3’s Richard Brown and other great guests.

Chain is a blockchain technology company that partners with financial firms to build and deploy blockchain networks that transform markets.

BigchainDB allows developers and enterprise to deploy blockchain proof-of- concepts, platforms, and applications with a scalable blockchain database.

Simon, blockchain lead at 11:FS,  is a globally-recognised blockchain subject matter expert and fintech Influencer. He serves as a trusted advisor to the UK government, Bank of England, tier 1 banks, asset managers, and investors. He also established Barclays as one of the leaders in blockchain and helped a variety of startups flourish through Barclays Tech Stars accelerator.

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