Episodi
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About this episode:
Join David Barton-Grimley of 11:FS and a lineup of expert guests as they explore the biggest fintech and financial services headlines of the week.
Stories covered on the podcast:
Zopa launches a current account offering 2% AER interest on balances, along with 2% cashback on bill payments. Coinbase has introduced a stablecoin payments stack to make it easier for online merchants worldwide to accept USDC. Finom, an Amsterdam-based fintech serving SMBs, has raised €115 million (approximately $133 million) in a Series C round. TBC Bank Uzbekistan has secured a $12.5 million loan to boost financial inclusion. Meanwhile, Bank of Ireland has launched a new “Smart Start” account for children aged 7 to 15 - a first of its kind in Ireland.
We also talk about our favourite biscuits.
This week's guests:
Timestamps/stories:
Intro - (00:00)
Zopa has entered the UK current accounts market with its new flagship current account, “Biscuit” - (05:01)
Coinbase launches stablecoin service - (14:22)
SMB-focused Finom closes €115 million Series C equity round as European fintech heats up - (28:24)
TBC Bank Uzbekistan Secures $12.5M from Triple Jump - (37:27)
Bank of Ireland launches a Kids account - (43:53)
And finally - fintech's favourite biscuits - (45:40)
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Support our sponsors:
If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.48% (AER), with instant access to your money. Plus, get the best rates for free for 12 months at tide.co/insider.
--
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 [email protected]!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
About this episode:
On this week’s Fintech Insider Insights, in partnership with LexisNexis Risk Solutions, we’re diving into one of the most pressing challenges in financial services: digital identity.
Every time someone opens an account or logs into a service, one big question needs answering: is this person really who they say they are?
Fraudsters are getting smarter - using deepfakes, synthetic identities, and AI-driven attacks to fool even the most advanced systems. In fact, according to LexisNexis Risk Solutions, 1 in 11 new accounts is now fraudulent.
So, how do businesses balance fraud prevention, regulatory pressure, and customer experience - without adding friction? And could the very tech that’s fuelling the problem also be part of the solution?
To unpack all this, our host Benjamin Ensor is joined by a fantastic panel of guests.
This week's guests:
Lorraine Salmond - Head of Identity Strategy, UK and Ireland at LexisNexis Risk Solutions
Katryna Dow - CEO and Founder of Meeco
Azy Shojaeian - Group Chief Compliance & Risk Officer & MLRO at Pockit & Monese
To explore the insights Lorraine Salmond from LexisNexis Risk Solutions shares in this week’s episode, you can download the latest Global Cybercrime Report for free
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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
--
Support our sponsors:
If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.48% (AER), with instant access to your money. Plus, get the best rates for free for 12 months at tide.co/insider.
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 [email protected]!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
Episodi mancanti?
-
About this episode:
Join Benjamin Ensor, Director of Research and Strategy at 11:FS, as he's joined by great guests to dive into the biggest news stories from the week.
Stories covered on the podcast:
Chime climbs 37% after debut of $364 million IPO.Walmart and Amazon eye the potential of stablecoins as U.S. regulation advances. We take a look at the launch of Up’s in-app group money feature - an Australian banking first. Pix Automático, Brazil’s first recurring payment feature, is rolled out to millions of Pix users. We also learn more about high street lender Metro Bank’s takeover approach. And finally, would you speak to a CEO via an AI hotline?
This week's guests:
Alex Johnson - Founder of Fintech Takes
Miguel Armaza - General Partner at Gilgamesh Ventures
Evan Simmonds - Principal Product Designer at Up
Also featuring a voice note from:
Sebastian Fantini, Director of Product at EBANX, about Pix Automatico.
Timestamps/stories:
Intro - (00:00)
Chime Climbs 37% in Debut After $864 Million IPO- (06:10)
Walmart and Amazon eye up stablecoins as US regulation advances - (16:50)
Up introduces Australia’s first in-app group money feature in banking
- (33:40)
Pix Automatico Debut Opens Brazil’s Recurring Payments Market to Millions- (44:51)
High street lender Metro Bank receives takeover approach - (56:25)
Klarna’s CEO is now taking your calls - over an AI hotline - (58:57)
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Support our sponsors:
If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.48% (AER), with instant access to your money. Plus, get the best rates for free for 12 months at tide.co/insider.
--
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 [email protected]!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
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!
This week's guests:
Catrin Hinkel, Chief Executive Officer, Microsoft Switzerland, Microsoft
Daniela Stoffel, State Secretary, State Secretariat for International Finance (SIF)
Dr. Jochen Papenbrock, Head of Financial Technology - EMEA, NVIDIA
Dr. Christopher Purves, Global Co-Head UBS Group Emerging Technology, UBS
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
Support our sponsors:
If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.48% (AER), with instant access to your money. Plus, get the best rates for free for 12 months at tide.co/insider.
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 [email protected]!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
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. Meanwhile, Enfuce has teamed up with Octopus Energy’s Electroverse, Europe’s largest EV charging network. Revolut is partnering with Euro 6000 to give users access to cash withdrawal services across Spain. And finally, the Irish fintech sector continues to show strong growth.
This week's guests:
Monika Liikamaa - Co-CEO and Co-Founder of Enfuce
Elliott Locke - Co-Founder and CEO of abroaden
Dimitri Masin - CEO at Gradient Labs
Also featuring a voice note from:
Colin Payne - Head of Innovation at the FCA
Timestamps/stories:
Intro - (00:00)
UK FCA deploys new sandbox for AI playtime - (07:10)
Starling launches AI chatbot Spending Intelligence in UK first - (22:06)
Octopus energy and Enfuce launch smart EV fleet card - (36:49)
Revolut launches ATM’s in Spain - (48:14)
Irish Fintech sector defies global headwinds - (1:01:06)
Thousands of bees removed from postbox in Great Plumstead by 11:FS’ own David M. Brear - (1:02:22)
--
Support our sponsors:
If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.48% (AER), with instant access to your money. Plus, get the best rates for free for 12 months at tide.co/insider.
--
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 [email protected]!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
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, immigrants, and younger borrowers.
So, what’s gone wrong with our credit systems? And more importantly - how do we fix them?
This week's guests:
Zak Lambert - Head of Product, Europe at Plaid
Ankur Sisodia - Head of Product, Lending & Savings at N26
Alexander de Rafols - Director of Product at Affirm
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
Advertisements:
If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.48% (AER), with instant access to your money. Plus, get the best rates for free for 12 months at tide.co/insider.
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 [email protected]!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
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. Mastercard announces major partnerships to drive the adoption of tokenisation, Click to Pay, and passkeys. We also hear about GoCardless’s new outbound payments feature, payabl.’s virtual business card launch, and Zilch’s partnership with Visa to offer a physical card. Plus, our three panellists share some personal Money20/20 highlights.
This week's guests:
David Jarvis - CEO at Griffin
Lara Barbuto - Director of Compliance, Compliance Officer & MLRO at OpenPayd.
Brice Van de Walle - Executive VP, Core Payments Europe at Mastercard
Also featuring voice notes from:
Ruwani Hewa, Product & Propositions Director at GoCardless
Laust Bertelsen, Co-founder of Banking Circle
Ugne Buraciene, Group CEO of payabl.
Philip Belamant -CEO and co-founder of Zilch
Timestamps/stories:
Intro - (00:00)
Griffin has announced the launch of its MCP Server, AI Griffin-(5.25)
OpenPayd launches stablecoin infrastructure to move and manage money globally- (15.39)
Mastercard has partnered with major players like Santander, Delivery Hero, N26, and Worldline to drive adoption of tokenization, Click to Pay, and passkeys-(26.47)
GoCardless expands payment platform with Outbound Payments-(37.08)
payabl. launches virtual Business Cards to empower smarter business spending-(38.08)
Zilch partners with Visa to accelerate growth and launch a physical card- (39.10)
Banking Circle Partners with Visa Direct to Boost Global Payments- (40.10)
--
Advertisements:
If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.48% (AER), with instant access to your money. Plus, get the best rates for free for 12 months at tide.co/insider.
--
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 [email protected]!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
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 forefront of addressing some of these challenges is a new partnership between Adyen and Spendesk.So, how is embedded finance better serving SMBs, and what role can new technologies play in harnessing its capabilities?
This week's guests:
Stephane Dehaies - CEO of Spendesk Financial Services
Joëlle Bønding - VP of Vertical Strategy for Platforms at Adyen
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
Advertisements:
If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.48% (AER), with instant access to your money. Plus, get the best rates for free for 12 months at tide.co/insider.
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 [email protected]!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
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 the CFPB’s ruling means for the future of banking in the US. We also take a closer look at the South Korean payments market with Kakao’s acquisition of SSG Pay and Smile Pay to further digital optimisation in the country. There’s also been a boom in UK fintech hiring — and are Singapore really considering corporal punishment as a consequence for scamming?
This week's guests:
Aditi Subbarao - Strategic Partnerships Lead at Instabase
Edoardo Volta- SVP Partner Marketing and Business Development at Curve
Kate Flocken-Principal at FS Vector
Timestamps/stories:
Intro - (00:00)
Curve launches Curve Pay on iOS in EEA, competing with Apple Pay-(5.30)
Google has launched an agentic shopping experience- (19.19)
CFPB to ditch open banking rule-(37.12)
Kakao Pay plans to acquire SSG Pay and Smile Pay for digital optimisation in Korea-(51.07)
UK Fintech hiring surges-(1.01.10)
Singapore considers caning as scams jump 70%-(1.02.36.31)
--
Advertisements:
If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.48% (AER), with instant access to your money. Plus, get the best rates for free for 12 months at tide.co/insider.
--
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.
Open Mic Night Amsterdam tickets
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 [email protected]!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
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 transformation of how financial institutions operate, innovate, and serve us all?
And if firms get this right, how will financial services look different in 2030?
This week's guests:
Martin Della Chiesa - CEO of Skaleet
Christian Rau - Senior Vice President, Global Partnerships Crypto, Digital Assets and Fintech at Mastercard
Emilia Bayer - Senior Sales & Strategy Lead at Primer
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
Open Mic Night Amsterdam tickets
Support our charity partner School-Home Support
Advertisements:
If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.48% (AER), with instant access to your money. Plus, get the best rates for free for 12 months at tide.co/insider.
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 [email protected]!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
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 like the problem is only getting worse.
So, how is Monzo planning to stay ahead?
Enter Monzo Stand In, the bank’s behind-the-scenes solution designed to keep essential services running, even when things go wrong.
On this episode we unpack what an outage actually means in modern banking, why they’re so hard to avoid, and how Monzo’s unique culture and architecture enabled them to build resilience into their platform by design.
This week's guest:
Matej Pfajfar - Group Chief Technology Officer, Monzo Bank
Advertisements:
If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.48% (AER), with instant access to your money. Plus, get the best rates for free for 12 months at tide.co/insider.
--
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.
Open Mic Night Amsterdam tickets
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 [email protected]!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
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 headquarters in Paris and securing a French banking licence. Meanwhile, UK regulators are cracking down on the ‘wild west’ of Buy Now, Pay Later schemes with tougher regulations—raising questions about the impact on major players like Klarna. We also speak with JPMorgan Chase about the launch of their FintechForward Programme and the importance of supporting underserved founders and SMEs. Global fintech Airwallex has raised $300 million in a Series F funding round, bringing its total valuation to US$6.2 billion. In India, Paytm, the country’s largest digital payments platform, has introduced a ‘hide payment’ feature to enhance user privacy. Finally, we explore a promising new partnership between UEFA and Visa aimed at transforming their ticketing platforms.
This week's guests:
James Dodsworth - Senior Manager, Thistle Initiatives
Veronica Glab - Independent Fintech Strategist
Lucy Ingham - VP of Content & Editor-In-Chief at FXC Intelligence
Also featuring voice notes from:
Jason Tiede - Global Head of Corp. Dev. & Partnerships, J.P. Morgan.
Jason Gottlieb - VP and Global Head of Strategic & Financial Partnerships at Airwallex.
Timestamps/stories:
Intro - (00:00)
Revolut plans to invest €1 Billion in France and Apply for License-(5.29)
UK cracks down on ‘wild west’ of Buy Now Pay Later schemes with tougher regulations- (17.49)
JPMorganChase announces the launch of its Fintech Forward Programme one year after announcing their £40million investment in the UK.-(29.34)
Airwallex raises $300million in Series F funding round -(42.22)
Paytm adds a ‘hide payment’ feature adding a new layer of privacy for users-(54.52)
Visa partners with UEFA to offer Click to Pay on UEFA ticketing platforms - (56.31)
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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 [email protected]!
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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 expectations
How AI and tokenisation are reshaping both security and customer experience
What’s holding merchants back from adopting cutting-edge solutions
The bold strategies and tools needed to future-proof the payments experience
This week's guests:
Triona Smith - Director, GTM at Visa
David McGuiness - Chief Product Officer at Frisbii
David Messenger - CEO of Global Businesses at PingPong
Enable the future of digital payments
Guide your merchants toward more secure, seamless and consistent payment experiences whilst improving customer loyalty, reducing fraud risk⁴ and minimising costs. Click here to find out more Win in Digital Commerce | Visa
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Support our charity partner School-Home Support
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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 [email protected]!
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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 payment solutions using Stablecoins. The Nordic countries are looking to collaborate on an offline card payment system for internet outages, helping to minimise cyber security issues. We also take a look at Monzo’s new product development and discuss if Klarna is rejecting AI in favour of a more physical workforce..
This week's guests:
Monika Liikamaa - CEO and Co-founder of Enfuce
Jason Mikula - Founder of Fintech Business Weekly
Dave Morris - CEO of 11:FS Foundry
Plus a voice note from:
Andy Sacre - Head of payments at Monzo
Timestamps/stories:
Intro - (00:00)
Monzo and Chime both eye up potential IPOs on the UK and US markets respectively - (05:55)
Ramp expands its partnership with Stripe to offer simplified cross-border payment opportunities - (18:39)
Nordic countries are partnering to develop offline card payment system for internet outages - (33:11)
Satispay Joins Amundi To Bring Investments To Italian Users-(33:11)
Monzo launches tool that will allow customers to undo payments - (46:42)
Klarna has changed its workforce strategy abandoning recent AI developments in favour of hiring more physical members of staff - (57:20)
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Terms apply: https://lightyear.com/terms. Seek qualified advice if necessary. This is not investment advice.
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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.
Open Mic Night Amsterdam tickets
Support our charity partner School-Home Support
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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 [email protected]!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
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 a better bank for UK businesses.
We dive into Allica’s rapid rise, its unique approach to relationship-led banking, and what’s next in their journey towards unicorn status.
We also discuss:
How Allica Bank is redefining SME banking in the UK
The strategy behind its record-breaking growth
Competing with neobanks and embracing AI
Why branding (hello, orange bowler hat!) matters in fintech
This week's guest:
Richard Davies - CEO of Allica Bank
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.
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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 get $15 worth of a US fractional share of your choice.Capital at risk, ISA rules apply. Provider of the investment services is Lightyear U.K. Ltd for the UK and Lightyear Europe AS for the EU.
Terms apply: https://lightyear.com/terms. Seek qualified advice if necessary. This is not investment advice.
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 [email protected]!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
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 first contactless wallet in Germany, its biggest product development investment in the country to date. Employer.com continues their ‘shopping spree’ acquiring Mainstream.com to bring their value to $700m. Santander has announced it is selling 49% of its Polish business, the former Bank Zachodni, to Austrian bank Erste Group. And we take a look at the FCA’s latest crypto ban...
This week's guests:
Raphael Landesmann - Director Regulatory Counsel at GSR
Carl Hazeley - CEO of Finimize
Mathieu Limousi - Chief Marketing Officer at Thunes
Timestamps/stories:
Intro - (00:00)
UK SME banking provider Tide rolls out a buy now pay later feature after a $100million raise - (07:06)
Paypal launches contactless mobile wallet in Germany - (17:20)
The FCA is considering a ban on crypto purchases using credit - (32:28)
Employer.com acquires Mainstreet.com bringing Employer.com’s value to $700m- (45:44)
Santander raises EUR 7bn from 49% of Santander Bank Polska, Poland’s third-largest bank - (52:05)
One in five Brits claim they have been approached to help illegally launder money- (54:19)
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Terms apply: https://lightyear.com/terms. Seek qualified advice if necessary. This is not investment advice.
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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.
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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 [email protected]!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
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 at Revolut.
Over the past year, Revolut secured its highly anticipated UK banking licence, crossed the milestone of 10 million UK customers, and made significant strides towards becoming the primary bank of choice for millions.
Francesca shares the inside story of what it took to achieve these milestones, how Revolut’s fast-paced, customer-first culture enabled rapid innovation, and what building a “super app” for financial services really looks like from the inside.
The conversation also dives into Revolut’s bold expansion into wealth management, SME banking, lending products, and beyond.
This week's guest:
Francesca Carlesi - UK CEO of Revolut
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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.
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Terms apply: https://lightyear.com/terms. Seek qualified advice if necessary. This is not investment advice.
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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 [email protected]!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
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 management market. Mexico’s National Banking and Securities Commission (CNBV) has approved Nubank Mexico’s banking license enabling the firm to evolve into a full service bank. Cross border payments company Thunes furthers its expansion into the US market with a $150million raise in a Series D funding round. Crypto giant Coinbase have teamed up with venture studio, Founders Factors to launch a UK based crypto and AI accelerator and we take a look at Revolut’s first movements into the mobile markets as they launch phone plans.
This week's guests:
Steve Quirk - Chief Brokerage Officer at Robinhood
Miguel Armaza - General Partner at Gilgamesh Venture
Kate Drew - Director of Research, CCG Catalyst
Timestamps/stories:
Intro - (00:00)
Robinhood tops estimates amid volatility as crypto slows- (06:34)
Nubank receives banking licence approval in Mexico - (21:29)
Thunes raises $150 million in Series D funding- (33:16)
Coinbase and Founders Factory to launch UK crypto and AI accelerator - (44:38)
UK fintech Revolut expands lifestyle reach with mobile plans - (54:35)
Chicago: security truck drops money bags worth $300,000 on its rounds- (56:32)
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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 get $15 worth of a US fractional share of your choice.Capital at risk, ISA rules apply. Provider of the investment services is Lightyear U.K. Ltd for the UK and Lightyear Europe AS for the EU.
Terms apply: https://lightyear.com/terms. Seek qualified advice if necessary. This is not investment advice.
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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
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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 [email protected]!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
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 future of high-end banking.
--
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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 get $15 worth of a US fractional share of your choice.Capital at risk, ISA rules apply. Provider of the investment services is Lightyear U.K. Ltd for the UK and Lightyear Europe AS for the EU.
Terms apply: https://lightyear.com/terms. Seek qualified advice if necessary. This is not investment advice.
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For those listening in GCC and Turkey, this episode is sponsored by XM: https://bit.ly/FintechCopyTrade
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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
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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 [email protected]!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
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 get $15 worth of a US fractional share of your choice.Capital at risk, ISA rules apply. Provider of the investment services is Lightyear U.K. Ltd for the UK and Lightyear Europe AS for the EU.
Terms apply: https://lightyear.com/terms. Seek qualified advice if necessary. This is not investment advice.
--
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:
Global Payments is buying Worldpay, also selling its Issuer Solutions unit to FIS in a major two-part deal which once closed is expected to turn Global Payments into a streamlined, pure-play merchant solutions company with boosted enterprise and e-commerce capabilities. Saudi Arabia has surpassed the UAE to drive Venture Capital funding in the MENA region to its highest levels since 2023. Circle, the company behind the USDC stablecoin is set to launch a cross border payments network in the coming weeks as they gear up for a long awaited IPO. Haboo money has partnered with Griffin to launch a "save as you repay" wallet scheme. British mid-sized lender Shawbrook has made a tentative £5 billion approach to a merger with digital bank Starling, as it explores alternatives to a lukewarm IPO market. We’re also looking at some of the most overused ‘buzzwords’ in Fintech, checking out some of the ones you could be using instead.
This week's guests:
Hannah Baynham - Co-founder of haboo money
Nick Philpott - Co-founder and Head of Partnerships at Zodia Markets
Doug Mackenzie - Freelance Fintech Content Lead
Timestamps/stories:
Intro - (00:00)
Global Payments to acquire Worldpay in $24bn deal - (05:28)
Saudi Arabia, UAE lead MENA VC funding to highest since 2023 - (18:01)
Circle to launch Stablecoin-powered Cross-Border payments network in May - (31:48)
haboo money partners with Griffin - (43:18)
Shawbrook weighs alternative to float with £5bn Starling merger approach - (55:03)
The most overused buzzwords in fintech and what to say instead - (59:14)
--
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 [email protected]!
Learn more about your ad choices. Visit megaphone.fm/adchoices - Mostra di più
