Episodes

  • Our expert hosts, David M. Brear and Benjamin Ensor, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include: Simon Rabin, Founder & CEO, ChipHelena Murphy, Managing Partner, Raising PartnersTina Fan, Chief Customer Officer, BoltAbdul Hassan, CEO, MonoWe cover the following stories from the fintech and financial services space: Chip crashes Crowdcube servers 3:55One-Click Checkout Firm Bolt Raises $393 Million at $6 Billion Valuation 15:35Sound clip from Tina Fan, Chief Customer Officer, Bolt 16:30Digital Payments Drives Growth as UK Fintech Hits 86% Consumer Adoption Rate 27:13Tiger Global backs African fintech Mono in $15M Series A round 36:40Sound clip from Abdul Hassan, CEO, Mono 37:30£50 contactless payment limit is high enough for most customers 46:20 Blockchain.com CEO: London’s reign as fintech capital is ‘definitely over’ 48:28Proptech Goodlord buys tenant bill splitting platform acasa 50:40Star Trek's William Shatner blasts into space on Blue Origin rocket 52:20This episode is sponsored by Temenos. Temenos is the world leader in banking software, serving over 3,000 financial institutions. SCALE 2021 is Temenos' dedicated, virtual developer event, including: insights from industry leaders on current technology trends and how they impact banking; customer presentations; product demonstrations and road-map sessions and opportunities to speak with Temenos experts. Whether you're a developer, consultant or business user, discover the latest technology opportunities and how this can help you deliver bigger, better, faster. Register to attend here. (https://tem.mn/3jYLZlm) This episode is sponsored by LetsDeel. There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world. Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce.To learn more, visit letsdeel/11fs (https://www.letsdeel.com/11fs), and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee.This episode is sponsored by Blueshift Customers expect more from their digital experience and their personal finance is no exception. Blueshift empowers fintech and financial institutions to create secure customer profiles and intentional, relevant experiences for customers. Whether in app, on site, in branch, or anywhere else, Blueshift’s SmartHub CDP helps brands like Lending Tree and ClearScore turn data into personalized experiences that increase retention, satisfaction, and revenue. Learn more about the Blueshift at blueshift.com/11fs. Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor and Jason Bates who are joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.If you enjoyed this episode, don't forget to subscribe and please leave a reviewFollow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com! Special Guests: Helena Murphy and Simon Rabin.

  • Our expert host, Ross Gallagher, is joined by some great guests to to talk about Saudi Fintech. As part of its Vision 2030 initiative, the Saudi government has set ambitious targets aimed towards building a thriving and diverse economy and establishing a strong foundation for long term economic prosperity. This has had significant implications on financial services within the Kingdom – especially with regards to Fintech and digital transformation.But what does the Saudi banking market look like, what technologies are paving the way, and where are the real opportunity and growth areas for Fintech? This week's guests include:Henry Egan, Director, 11:FSTristan Brandt, Chief Digital Officer, SABBNahim Bassa, Group Head: Strategy & Digital Transformation, Bank AlJaziraAll of this and much more on today's episode!This episode is sponsored by Temenos. Temenos is the world leader in banking software, serving over 3,000 financial institutions. SCALE 2021 is Temenos' dedicated, virtual developer event, including: insights from industry leaders on current technology trends and how they impact banking; customer presentations; product demonstrations and road-map sessions and opportunities to speak with Temenos experts. Whether you're a developer, consultant or business user, discover the latest technology opportunities and how this can help you deliver bigger, better, faster. Register to attend here. (https://tem.mn/3jYLZlm) This episode is sponsored by LetsDeel. There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world. Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce.To learn more, visit letsdeel/11fs (https://www.letsdeel.com/11fs), and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee.This episode is sponsored by Blueshift Customers expect more from their digital experience and their personal finance is no exception. Blueshift empowers fintech and financial institutions to create secure customer profiles and intentional, relevant experiences for customers. Whether in app, on site, in branch, or anywhere else, Blueshift’s SmartHub CDP helps brands like Lending Tree and ClearScore turn data into personalized experiences that increase retention, satisfaction, and revenue. Learn more about the Blueshift at blueshift.com/11fs. Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.If you enjoyed this episode, don't forget to subscribe and please leave a reviewFollow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com! Special Guests: Henry Egan, Nahim Bassa, and Tristan Brandt.

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  • Our expert hosts, Benjamin Ensor and Gwera Kiwana, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include:
    Ron Shevlin, Director of Research, Cornerstone Advisors
    Emily Nicolle, Fintech Correspondent, Financial News
    Kate Drew, Director of Research, CCG Catalyst
    We cover the following stories from the fintech and financial services space:
    Google Is Scrapping its Plan to Offer Bank Accounts to Users 3:05
    Monzo withdraws US banking licence application 15:21
    Alloy raises $100 million at a $1.35 billion valuation to help banks and fintechs fight fraud with its API-based platform 27:27
    Starling to launch banking-as-a-service package in Europe 36:50
    AI-based mortgage overpayment app Sprive launches 47:40
    Fintech firm Upgrade is getting into buy now, pay later with short-term installment loans 49:00
    NatWest acquires pocket money app RoosterMoney 50:14
    11:FS shares a boat with James Bond 51:50
    This episode is sponsored by Temenos.
    Temenos is the world leader in banking software, serving over 3,000 financial institutions. SCALE 2021 is Temenos' dedicated, virtual developer event, including: insights from industry leaders on current technology trends and how they impact banking; customer presentations; product demonstrations and road-map sessions and opportunities to speak with Temenos experts. Whether you're a developer, consultant or business user, discover the latest technology opportunities and how this can help you deliver bigger, better, faster.
    Register to attend here. (https://tem.mn/3jYLZlm)
    This episode is sponsored by LetsDeel.
    There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world.
    Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce.
    To learn more, visit letsdeel/11fs (https://www.letsdeel.com/11fs), and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee.
    This episode is sponsored by Blueshift
    Customers expect more from their digital experience and their personal finance is no exception. Blueshift empowers fintech and financial institutions to create secure customer profiles and intentional, relevant experiences for customers. Whether in app, on site, in branch, or anywhere else, Blueshift’s SmartHub CDP helps brands like Lending Tree and ClearScore turn data into personalized experiences that increase retention, satisfaction, and revenue.
    Learn more about the Blueshift at blueshift.com/11fs.
    Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
    If you enjoyed this episode, don't forget to subscribe and please leave a review
    Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!
    Special Guests: Emily Nicolle, Kate Drew, and Ron Shevlin.

  • Our expert hosts, David M. Brear and Jason Bates talk all about the Truly Digital Manifesto! They unpack what 'truly digital' means, an overview of the manifesto, and get into all the details.
    Who needs to see this? What brutal realities do companies need to address? And, what is digital R.I.C.H.E.S? Tune in to find out more!
    To read the Truly Digital Manifesto, click here. (https://trulydigital.11fs.com/)
    This episode is sponsored by Temenos.
    Temenos is the world leader in banking software, serving over 3,000 financial institutions. SCALE 2021 is Temenos' dedicated, virtual developer event, including: insights from industry leaders on current technology trends and how they impact banking; customer presentations; product demonstrations and road-map sessions and opportunities to speak with Temenos experts. Whether you're a developer, consultant or business user, discover the latest technology opportunities and how this can help you deliver bigger, better, faster.
    Register to attend here. (https://tem.mn/3jYLZlm)
    This episode is sponsored by LetsDeel.
    There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world.
    Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce.
    To learn more, visit letsdeel/11fs (https://www.letsdeel.com/11fs), and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee.
    This episode is sponsored by Blueshift
    Customers expect more from their digital experience and their personal finance is no exception. Blueshift empowers fintech and financial institutions to create secure customer profiles and intentional, relevant experiences for customers. Whether in app, on site, in branch, or anywhere else, Blueshift’s SmartHub CDP helps brands like Lending Tree and ClearScore turn data into personalized experiences that increase retention, satisfaction, and revenue.
    Learn more about the Blueshift at blueshift.com/11fs.
    Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
    If you enjoyed this episode, don't forget to subscribe and please leave a review
    Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!

  • Our expert hosts, Gwera Kiwana and Benjamin Ensor, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include:Katie Palencsar, Managing Director & Global Head of Venture Studio, AnthemisDan Westgarth, COO, Deel We cover the following stories from the fintech and financial services space:Barclays and Anthemis bring female-focused fintech fund to UK and EuropeCiti launches tech hub in Bahrain to develop its digital platformsOraan raises $3M to increase financial inclusionSantander unplugs payments challenger PagoFX after 15 monthsClaro takes anti-BNPL campaign to London's streetsFinTech Startup Highnote Launches and announces $54M in FundingAnt-Backed Ascend Money Becomes Thailand’s First Fintech UnicornA Crypto-Trading Hamster Performs Better Than Warren Buffett And The S&PThis episode is sponsored by Temenos. Temenos is the world leader in banking software, serving over 3,000 financial institutions. SCALE 2021 is Temenos' dedicated, virtual developer event, including: insights from industry leaders on current technology trends and how they impact banking; customer presentations; product demonstrations and road-map sessions and opportunities to speak with Temenos experts. Whether you're a developer, consultant or business user, discover the latest technology opportunities and how this can help you deliver bigger, better, faster. Register to attend here. (https://tem.mn/3jYLZlm) This episode is sponsored by LetsDeel. There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world. Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce.To learn more, visit letsdeel/11fs (https://www.letsdeel.com/11fs), and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee.This episode is sponsored by Blueshift Customers expect more from their digital experience and their personal finance is no exception. Blueshift empowers fintech and financial institutions to create secure customer profiles and intentional, relevant experiences for customers. Whether in app, on site, in branch, or anywhere else, Blueshift’s SmartHub CDP helps brands like Lending Tree and ClearScore turn data into personalized experiences that increase retention, satisfaction, and revenue. Learn more about the Blueshift at blueshift.com/11fs. Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.If you enjoyed this episode, don't forget to subscribe and please leave a reviewFollow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com! Special Guests: Dan Westgarth and Katie Palencsar.

  • Our expert host, Benjamin Ensor, is joined by some great guests to talk about French Fintech.
    Paris is home to more than 1,000 fintech companies and the French capital is looking to close the gap on the UK and eventually the US, according to leading figures. But what does the market look like, what technologies are paving the way, and what opportunities does the market offer fintech founders?
    This week's guests include:
    Didier Lallemand, Managing Director at Société Générale Ventures
    Clement Boulais, General Manager France, TrueLayer
    Paddy O’Neill, Head of Sales UK & Ireland, Spendesk
    All of this and much more on today's episode!
    This episode is sponsored by Temenos.
    Temenos is the world’s leader in banking software, helping over 3,000 banks serve over 1.2 billion people. Our purpose is to make banking better. Together with our community, we make banks more successful, individuals better banked, and society better served. With our software banks can create more human digital experiences, hyper-efficient business models, and transform their back-office. Our clients are the highest performing banks with cost-income ratios which are twice better than the industry average.
    Learn more at Temenos.com. (https://go.temenos.com/11fs)
    This episode is sponsored by LetsDeel.
    There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world.
    Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce.
    To learn more, visit letsdeel/11fs (https://www.letsdeel.com/11fs), and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee.
    This episode is sponsored by Fintech Meetup.
    This episode is sponsored by Fintech Meetup. Fintech Meetup is the world’s largest fintech meetings event, facilitating more than 30,000 meetings for 4,000 participants. It takes place online, March 8-10, 2022. Our participants will meet everyone they need to meet, including Startups, Established Fintechs, Investors, Banks and Credit Unions, Media and Analysts and more. For more information and to get your ticket, go to www.fintechmeetup.com (www.fintechmeetup.com).
    Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
    If you enjoyed this episode, don't forget to subscribe and please leave a review
    Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!
    Special Guests: Clement Boulais, Didier Lallemand, and Paddy O’Neill.

  • Our expert hosts, David Brear and Gwera Kiwana, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include:
    Matt Henderson, EMEA Business Lead, Stripe
    Arun Tharmarajah, Head of European Banking at Wise
    Sophie Guibaud, Chief Growth Officer at OpenPayd
    We cover the following stories from the fintech and financial services space:
    Stripe opens London fintech development office 4:16
    Wise launches feature that lets users spend money invested in stocks 17:15
    JPMorgan launches Chase in the UK 31:03
    TrueLayer raises $130M and becomes a unicorn 43:13
    Curve joins the BNPL scramble 49:20
    Monese moves into banking-as-a-service 51:20
    61% of UK Children Use an App to Manage Pocket Money 53:16
    Restaurants to be banned from keeping staff tips 55:12
    This episode is sponsored by Temenos.
    Temenos is the world’s leader in banking software, helping over 3,000 banks serve over 1.2 billion people. Our purpose is to make banking better. Together with our community, we make banks more successful, individuals better banked, and society better served. With our software banks can create more human digital experiences, hyper-efficient business models, and transform their back-office. Our clients are the highest performing banks with cost-income ratios which are twice better than the industry average.
    Learn more at Temenos.com. (https://go.temenos.com/11fs)
    This episode is sponsored by LetsDeel.
    There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world.
    Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce.
    To learn more, visit letsdeel/11fs (https://www.letsdeel.com/11fs), and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee.
    This episode is sponsored by Fintech Meetup.
    This episode is sponsored by Fintech Meetup. Fintech Meetup is the world’s largest fintech meetings event, facilitating more than 30,000 meetings for 4,000 participants. It takes place online, March 8-10, 2022. Our participants will meet everyone they need to meet, including Startups, Established Fintechs, Investors, Banks and Credit Unions, Media and Analysts and more. For more information and to get your ticket, go to www.fintechmeetup.com (www.fintechmeetup.com).
    Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
    If you enjoyed this episode, don't forget to subscribe and please leave a review
    Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!
    Special Guests: Arun Tharmarajah , Matt Henderson, and Sophie Guibaud.

  • This Friday, we're switching it up a bit!
    Not too long ago on Spotlight, our expert host - David Brear - was joined by Charley Ma, GM of Fintech at Alloy. The pair dive into Charley's career to date, and also unpack what it means to be an angel investor supporting early stage companies.
    The conversation was so insightful and interesting, that we wanted to share it with all of you.
    What does angel investing really mean? How do you get started out? How do you choose what to invest in?
    All of this and much much more on today's show!
    This episode is sponsored by Temenos.
    Temenos is the world’s leader in banking software, helping over 3,000 banks serve over 1.2 billion people. Our purpose is to make banking better. Together with our community, we make banks more successful, individuals better banked, and society better served. With our software banks can create more human digital experiences, hyper-efficient business models, and transform their back-office. Our clients are the highest performing banks with cost-income ratios which are twice better than the industry average.
    Learn more at Temenos.com. (https://go.temenos.com/11fs)
    This episode is sponsored by LetsDeel.
    There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world.
    Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce.
    To learn more, visit letsdeel/11fs (https://www.letsdeel.com/11fs), and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee.
    This episode is sponsored by Fintech Meetup.
    This episode is sponsored by Fintech Meetup. Fintech Meetup is the world’s largest fintech meetings event, facilitating more than 30,000 meetings for 4,000 participants. It takes place online, March 8-10, 2022. Our participants will meet everyone they need to meet, including Startups, Established Fintechs, Investors, Banks and Credit Unions, Media and Analysts and more. For more information and to get your ticket, go to www.fintechmeetup.com (www.fintechmeetup.com).
    Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
    If you enjoyed this episode, don't forget to subscribe and please leave a review
    Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!
    Special Guest: Charley Ma .

  • Our expert hosts, David Brear and Benjamin Ensor, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week.
    This week's guests include:
    * Roger De’ath, Head of eCommerce at Truelayer
    * Oscar Williams-Grut, City Editor at Evening Standard
    * Polly Jean Harrison, Journalist at The Fintech Times
    We cover the following stories from the fintech and financial services space:
    Monzo unveils buy now, pay later product with £3,000 limit - 5:35
    QED announces $1 billion fintech war chest - 19:35
    TrueLayer teams up with Cazoo to power open banking payments and refunds - 27:30
    Varo raise $510M in Series E funding - 36:15
    One in five consumers blocked from paying with cash, raising concerns for the elderly and vulnerable - 41:57
    Former Wise employees raise $8.5M for multicurrency investing app - 44:00
    Ripple vets unveil global micropayments network for Web 3.0 - 45:18
    Russian bank VTB is piloting ‘face pay’ technology - 48:00
    This episode is sponsored by Temenos.
    Temenos is the world’s leader in banking software, helping over 3,000 banks serve over 1.2 billion people. Our purpose is to make banking better. Together with our community, we make banks more successful, individuals better banked, and society better served. With our software banks can create more human digital experiences, hyper-efficient business models, and transform their back-office. Our clients are the highest performing banks with cost-income ratios which are twice better than the industry average.
    Learn more at Temenos.com. (https://go.temenos.com/11fs)
    This episode is sponsored by LetsDeel.
    There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world.
    Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce.
    To learn more, visit letsdeel/11fs (https://www.letsdeel.com/11fs), and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee.
    This episode is sponsored by Fintech Meetup.
    This episode is sponsored by Fintech Meetup. Fintech Meetup is the world’s largest fintech meetings event, facilitating more than 30,000 meetings for 4,000 participants. It takes place online, March 8-10, 2022. Our participants will meet everyone they need to meet, including Startups, Established Fintechs, Investors, Banks and Credit Unions, Media and Analysts and more. For more information and to get your ticket, go to www.fintechmeetup.com (www.fintechmeetup.com).
    Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
    If you enjoyed this episode, don't forget to subscribe and please leave a review
    Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!
    Special Guests: Oscar Williams-Grut, Polly Jean Harrison, and Roger DeAth.

  • Welcome to the latest installment of After Dark, called Starting from Scratch. We are joined by the best and the brightest in fintech and financial services industry to talk all about starting from zero, and building better financial systems. What do we mean by that?Well, just imagine…The year is 2040. We have exhausted nearly all of the earth’s natural resources. Elon Musk/Jeff Bezos/Richard Branson and others like them have won the space race and the first colony has now arrived on Mars. Billions will follow over the weeks and months. There is much to be done.We are getting on our rocket to head off to Mars, tasked with building the planet’s first banking ecosystem. There are no rules, no regulations and no limits. We have the opportunity to shed the baggage of the existing systems on Earth and completely start again.To build a whole new banking system from scratch: What do you do? Where do you begin?Our fantastic panel conists of; Hosts:* David Brear, 11:FS Group CEO * Jason Bates, 11:FS Deputy CEO Guests:* Marta Krupinska, Fintech founder & Head of Google for Startups UK* Eric Van der Kleij, Builder of Tech Ecosystems, (Co)founder EdenBase.com, Level39.co, TechNation.io* Dr Sian Lewin - Co-Founder and Head of Client Delivery at RegTech AssociatesThis episode is sponsored by Temenos. Temenos is the world’s leader in banking software, helping over 3,000 banks serve over 1.2 billion people. Our purpose is to make banking better. Together with our community, we make banks more successful, individuals better banked, and society better served. With our software banks can create more human digital experiences, hyper-efficient business models, and transform their back-office. Our clients are the highest performing banks with cost-income ratios which are twice better than the industry average.Learn more at Temenos.com. (https://go.temenos.com/11fs)This episode is sponsored by LetsDeel. There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world. Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce.To learn more, visit letsdeel/11fs (https://www.letsdeel.com/11fs), and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee.This episode is sponsored by Fintech Meetup. This episode is sponsored by Fintech Meetup. Fintech Meetup is the world’s largest fintech meetings event, facilitating more than 30,000 meetings for 4,000 participants. It takes place online, March 8-10, 2022. Our participants will meet everyone they need to meet, including Startups, Established Fintechs, Investors, Banks and Credit Unions, Media and Analysts and more. For more information and to get your ticket, go to www.fintechmeetup.com (www.fintechmeetup.com). Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.If you enjoyed this episode, don't forget to subscribe and please leave a reviewFollow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com! Special Guests: Eric Van der Kleij, Marta Krupinska, and Sian Lewin.

  • Our expert hosts, David Brear and Amy Gavin, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include:
    Emily Nicolle, Fintech Correspondent, Financial News
    Cordel Robbin-Coker, CEO & Co-Founder, Carry1st
    We cover the following stories from the fintech and financial services space:
    Contactless card payment limit in UK to jump to £100 next month 5:37
    Sequoia Heritage, Stripe and others invest $200M in African fintech Wave at $1.7B valuation 12:42
    Point raises $46.5 million to give millennials a rewards-based alternative to credit cards 21:15
    Beijing wants tech giants to shoulder more social responsibilities 27:52
    Australian BNPL Zip Finds Under-35’s Need Support with Financial ‘Adulting’ 35:19
    Ikea says ‘Hej!’ to buy-now-pay-later, investing $22.5m in Israeli BNPL firm Jifiti 37:41
    Founders Factory and G-Force launch Seed program for climate-focused startups 39:17
    Peter Thiel is building a luxury vacation bunker in New Zealand 41:20
    This episode is sponsored by Temenos.
    Temenos is the world’s leader in banking software, helping over 3,000 banks serve over 1.2 billion people. Our purpose is to make banking better. Together with our community, we make banks more successful, individuals better banked, and society better served. With our software banks can create more human digital experiences, hyper-efficient business models, and transform their back-office. Our clients are the highest performing banks with cost-income ratios which are twice better than the industry average.
    Learn more at Temenos.com. (https://go.temenos.com/11fs)
    This episode is sponsored by LetsDeel.
    There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world.
    Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce.
    To learn more, visit letsdeel/11fs (https://www.letsdeel.com/11fs), and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee.
    This episode is sponsored by Fintech Meetup.
    This episode is sponsored by Fintech Meetup. Fintech Meetup is the world’s largest fintech meetings event, facilitating more than 30,000 meetings for 4,000 participants. It takes place online, March 8-10, 2022. Our participants will meet everyone they need to meet, including Startups, Established Fintechs, Investors, Banks and Credit Unions, Media and Analysts and more. For more information and to get your ticket, go to www.fintechmeetup.com (www.fintechmeetup.com).
    Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
    If you enjoyed this episode, don't forget to subscribe and please leave a review
    Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!
    Special Guests: Cordel Robbin-Coker and Emily Nicolle.

  • Our expert host, David Brear, is joined by some great guests to talk about Australian fintech.
    The market has grown exponentially over the last few years, with the pandemic pushing Austailians further into digital and providing a major catalyst for tech companies. But what does the market look like, what technologies are paving the way, and what opportunities does the market offer fintech founders?
    This week's guests include:
    * Dexter Cousins, Founder, Tier One People
    * Simone Joyce, CEO & Co-Founder, Paypa Plane & Chair of Fintech Australia
    * Matt Baxby, Country CEO of Revolut Australia
    All of this and much more on today's episode!
    This episode is sponsored by Temenos.
    Temenos is the world’s leader in banking software, helping over 3,000 banks serve over 1.2 billion people. Our purpose is to make banking better. Together with our community, we make banks more successful, individuals better banked, and society better served. With our software banks can create more human digital experiences, hyper-efficient business models, and transform their back-office. Our clients are the highest performing banks with cost-income ratios which are twice better than the industry average.
    Learn more at Temenos.com. (https://go.temenos.com/11fs)
    This episode is sponsored by LetsDeel.
    There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world.
    Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce.
    To learn more, visit letsdeel/11fs (https://www.letsdeel.com/11fs), and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee.
    This episode is sponsored by Fintech Meetup.
    This episode is sponsored by Fintech Meetup. Fintech Meetup is the world’s largest fintech meetings event, facilitating more than 30,000 meetings for 4,000 participants. It takes place online, March 8-10, 2022. Our participants will meet everyone they need to meet, including Startups, Established Fintechs, Investors, Banks and Credit Unions, Media and Analysts and more. For more information and to get your ticket, go to www.fintechmeetup.com (www.fintechmeetup.com).
    Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
    If you enjoyed this episode, don't forget to subscribe and please leave a review
    Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!
    Special Guests: Dexter Cousins, Matt Baxby, and Simone Joyce.

  • Time for a bonus episode! Our expert host, David Brear, is joined by Lotanna Ezeike, Co-Founder and CEO at XPO, to talk all things social media influencers, the creator economy & banking.
    Join us for some myth-busting about influencers, challenge David's opinions from a few episodes back, and shed some light on the subject for our listeners.
    All of this and much more on today's episode!
    Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
    If you enjoyed this episode, don't forget to subscribe and please leave a review
    Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!
    Special Guest: Lotanna Ezeike .

  • Our expert hosts, Simon Taylor and Gwera Kiwana, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include:
    Frederick Lavoie, co-founder and COO, Flinks
    Sharon Kimathi, Inclusive Economies Editor, Thomson Reuters Foundation
    We cover the following stories from the fintech and financial services space:
    Amazon partners Affirm to offer customers BNPL option 4:32
    National Bank of Canada invests $103M in Flinks, including $30M in growth capital 15:45
    Alpaca raises $50m; moves into crypto trading 28:32
    Wombat to raise £10 million to expand into Europe 38:52
    Nubank seeks $55bn valuation in IPO 47:12
    Invest at PayPal could compete with Robinhood and Square’s retail stock trading 48:34
    Railsbank and Status Money create credit card with crypto investment rewards 50:27
    Fake Banksy NFT sold through artist's website for £244k 52:25
    This episode is sponsored by Temenos.
    Temenos is the world’s leader in banking software, helping over 3,000 banks serve over 1.2 billion people. Our purpose is to make banking better. Together with our community, we make banks more successful, individuals better banked, and society better served. With our software banks can create more human digital experiences, hyper-efficient business models, and transform their back-office. Our clients are the highest performing banks with cost-income ratios which are twice better than the industry average.
    Learn more at Temenos.com. (https://go.temenos.com/11fs)
    This episode is sponsored by LetsDeel.
    There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world.
    Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce.
    To learn more, visit letsdeel/11fs (https://www.letsdeel.com/11fs), and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee.
    Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
    If you enjoyed this episode, don't forget to subscribe and please leave a review
    Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!
    Special Guests: Frederick Lavoie and Sharon Kimathi.

  • Our expert hosts, David Brear, Simon Taylor and Jason Bates, come together to answer all of your burning question in this Ask Me Anything episode.
    How surprised are they by the rise of the neobanks in the US? Is there a grave danger all the best engineers get sucked into and away from traditional FS businesses? When Hollywood decides to make 11:FS The Movie, who would David, Simon and Jason want to play them?
    Tune in to hear so much more, and hey - maybe next time, we'll be answering your questions!
    This episode is sponsored by Temenos.
    Temenos is the world’s leader in banking software, helping over 3,000 banks serve over 1.2 billion people. Our purpose is to make banking better. Together with our community, we make banks more successful, individuals better banked, and society better served. With our software banks can create more human digital experiences, hyper-efficient business models, and transform their back-office. Our clients are the highest performing banks with cost-income ratios which are twice better than the industry average.
    Learn more at Temenos.com. (https://go.temenos.com/11fs)
    This episode is sponsored by LetsDeel.
    There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world.
    Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce.
    To learn more, visit letsdeel/11fs (https://www.letsdeel.com/11fs), and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee.
    Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
    If you enjoyed this episode, don't forget to subscribe and please leave a review
    Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!

  • Our expert hosts, David Brear and Pierre Legrand, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include:
    John Waupsh, CEO and founder, Nerve
    Colin Kennedy, Chief Business Officer, Ramp
    We cover the following stories from the fintech and financial services space:
    Ramp raises $300M and acquires Buyer to offer "negotiation-as-a-service" 3:30
    Revolut introduces salary-advance feature in the UK 13:25
    Nerve, World’s First Neobank Created for Musicians Launched 24:49
    World Remit rebrands as Zepz and raises £292M 36:49
    Socially conscious fintech Aspiration to go public via a SPAC merger 41:45
    Balance raises $25 million in Series A funding 42:51
    African fintech OPay valued at $2bn after a $400m raise 43:50
    Hargreaves Lansdown creates confusion with ad campaign citing a Monzo IPO 45:00
    Al of this and much more more on today's episode!
    This episode is sponsored by Temenos.
    Temenos is the world’s leader in banking software, helping over 3,000 banks serve over 1.2 billion people. Our purpose is to make banking better. Together with our community, we make banks more successful, individuals better banked, and society better served. With our software banks can create more human digital experiences, hyper-efficient business models, and transform their back-office. Our clients are the highest performing banks with cost-income ratios which are twice better than the industry average.
    Learn more at Temenos.com. (https://go.temenos.com/11fs)
    This episode is sponsored by LetsDeel.
    There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world.
    Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce.
    To learn more, visit letsdeel/11fs (https://www.letsdeel.com/11fs), and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee.
    Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
    If you enjoyed this episode, don't forget to subscribe and please leave a review
    Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!
    Special Guests: Colin Kennedy and John Waupsh.

  • Our expert hosts, David Brear and Amy Gavin, are joined by some great guests to talk about innovation in the buy now pay later products.
    Most people think of huge players such as Klarna & Afterpay, but increasingly we are seeing more and more specialised providers entering the market, and in new geographies. We wanted to revisit this topic, to find out where the innovation is really coming from.
    This week's guests include:
    * Arad Levertov, CEO & Co-Founder, Sunbit
    * Timothy Davis, CEO & Co-Founder, Butter.co.uk
    All of this and much more on today's episode!
    This episode is sponsored by Temenos.
    Temenos is the world’s leader in banking software, helping over 3,000 banks serve over 1.2 billion people. Our purpose is to make banking better. Together with our community, we make banks more successful, individuals better banked, and society better served. With our software banks can create more human digital experiences, hyper-efficient business models, and transform their back-office. Our clients are the highest performing banks with cost-income ratios which are twice better than the industry average.
    Learn more at Temenos.com. (https://go.temenos.com/11fs)
    This episode is sponsored by LetsDeel.
    There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world.
    Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce.
    To learn more, visit letsdeel/11fs (https://www.letsdeel.com/11fs), and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee.
    Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
    If you enjoyed this episode, don't forget to subscribe and please leave a review
    Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!
    Special Guests: Arad Levertov and Timothy Davis.

  • Our expert hosts, Adam Davis and Gwera Kiwana, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include:
    Rod Lockhart, CEO at LendInvest
    Sam Maule, Key Account Exec at Google Cloud
    We cover the following stories from the fintech and financial services space:
    Chime raises $750m at $25bn valuation 3:04
    LendInvest secures £150m partnership with Barclays and HSBC 16:01
    JP Morgan and AmEx invest in Plaid 30:27
    UK banks plan to share branches as regulator seeks to block closures 41:35
    Brex buys Israel’s Weav 50:45
    'Personalised credit' startup Keebo raises £5 million in seed funding 52:00
    Starling tops CMA ratings for business banking quality 53:45
    HSBC joining the bank card accessibility push with new ‘vertical’ designs 54:44
    This episode is sponsored by Temenos.
    Temenos is the world’s leader in banking software, helping over 3,000 banks serve over 1.2 billion people. Our purpose is to make banking better. Together with our community, we make banks more successful, individuals better banked, and society better served. With our software banks can create more human digital experiences, hyper-efficient business models, and transform their back-office. Our clients are the highest performing banks with cost-income ratios which are twice better than the industry average.
    Learn more at Temenos.com. (https://go.temenos.com/11fs)
    This episode is sponsored by LetsDeel.
    There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world.
    Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce.
    To learn more, visit letsdeel/11fs (https://www.letsdeel.com/11fs), and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee.
    Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates and co., joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
    If you enjoyed this episode, don't forget to subscribe and please leave a review
    Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!
    Special Guests: Rod Lockhart and Sam Maule.

  • Our expert host, Simon Taylor, is joined by some great guests to talk about AI and machine learning in the context of financial services.
    We cover how AI/ML will change financial services, what the difference between AI & ML in Financial Services is, what the biggest benefits of AI/ML are, how do we work with bias and how far can we take it?
    This week's guests include:
    Amanda Cercas Curry, PhD student Heriot-Watt University in Edinburgh and co-host of the podcast Let's Chat Ethics
    Teddy Flo, General Council, Zest AI
    Dorel Blitz, VP Strategy & Business development, Personetics
    All of this and much much more on today's episode!
    This episode is sponsored by Temenos.
    Temenos is the world’s leader in banking software, helping over 3,000 banks serve over 1.2 billion people. Our purpose is to make banking better. Together with our community, we make banks more successful, individuals better banked, and society better served. With our software banks can create more human digital experiences, hyper-efficient business models, and transform their back-office. Our clients are the highest performing banks with cost-income ratios which are twice better than the industry average.
    Learn more at Temenos.com. (https://go.temenos.com/11fs)
    This episode is sponsored by Blueshift.
    Customers expect more from their digital experience and their personal finance is no exception. Blueshift empowers fintech and financial institutions to create secure customer profiles and intentional, relevant experiences for customers. Whether in app, on site, in branch, or anywhere else, Blueshift’s SmartHub CDP helps brands like Lending Tree and ClearScore turn data into personalized experiences that increase retention, satisfaction, and revenue. Learn more about the Blueshift at blueshift.com (blueshift.com/11fs).
    This episode is sponsored by WaveMaker.
    This podcast is sponsored by WaveMaker, the industry's most open, API-driven low-code platform for hyper-accelerating embedded finance applications. Are APIs alone enough to broaden and scale your market adoption? Do you need customers to go live faster? How about self-serve capability in your partners' and customers' hands to build and customize their web and mobile experiences?
    Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
    If you enjoyed this episode, don't forget to subscribe and please leave a review
    Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!
    Special Guests: Amanda Cercas Curry, Dorel Blitz, and Teddy Flo.

  • Our expert hosts, Adam Davis and David Brear, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include:Andy Renshaw, VP of Payments Solutions & Strategy, FeedzaiNatasha Jones, Early Stage Investor, Octopus VenturesSophie Winwood, Investor at AnthemisWe cover the following stories from the fintech and financial services space:Global fintech investment rebounds to hit $98bn in H1 4:54Feedzai Acquires World's Most Advanced Biometric Platform, to create the World’s Largest Financial Intelligence Network 17:10Circle files to become a bank 30:29Meet XPO: The Fintech Startup Building A Better Bank For Creators 40:25Aviva and Nationwide join £2.5 million round in first time buyers’ mortgage broker Tembo 53:02Atom Bank pulls in first ever monthly profit 53:51Nubank co-founder leads $45M investment in Indian neobank Jupiter 55:00Woman left on hold for 7 hours by HSBC after trying to report fraud 56:12This episode is sponsored by Temenos. Temenos is the world’s leader in banking software, helping over 3,000 banks serve over 1.2 billion people. Our purpose is to make banking better. Together with our community, we make banks more successful, individuals better banked, and society better served. With our software banks can create more human digital experiences, hyper-efficient business models, and transform their back-office. Our clients are the highest performing banks with cost-income ratios which are twice better than the industry average.Learn more at Temenos.com. (https://go.temenos.com/11fs)This episode is sponsored by Blueshift. Customers expect more from their digital experience and their personal finance is no exception. Blueshift empowers fintech and financial institutions to create secure customer profiles and intentional, relevant experiences for customers. Whether in app, on site, in branch, or anywhere else, Blueshift’s SmartHub CDP helps brands like Lending Tree and ClearScore turn data into personalized experiences that increase retention, satisfaction, and revenue. Learn more about the Blueshift at blueshift.com (blueshift.com/11fs). This episode is sponsored by WaveMaker. This podcast is sponsored by WaveMaker, the industry's most open, API-driven low-code platform for hyper-accelerating embedded finance applications. Are APIs alone enough to broaden and scale your market adoption? Do you need customers to go live faster? How about self-serve capability in your partners' and customers' hands to build and customize their web and mobile experiences? WaveMaker delivers a rich drag-and-drop visual studio that fintechs, brands, and financial institutions use for rapidly composing serious banking and financial services apps. Pro and citizen developers can easily consume your APIs and build in a WYSIWYG, enterprise-grade environment; leverage custom pre-built components with APIs, logic, and UI; or even build out complete embedded finance journeys that customers can extend or customize. The possibilities are endless. Visit www.wavemaker.com (https://www.wavemaker.com/banking-financial-services/?utm_source=FinIn&utm_medium=podcast1&utm_campaign=11fs) today.Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.If you enjoyed this episode, don't forget to subscribe and please leave a reviewFollow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com! Special Guests: Andy Renshaw, Natasha Jones, and Sophie Winwood.