Podcasts · Business · Technology

Fintech Insider Podcast by 11:FS

11:FS

300 episodes

Fintech Insider is your ultimate guide to the world of finance and fintech from 11:FS - the leading independent fintech consultancy, recognised six times with the British Bank Award for Consultancy of the Year.

More about the show

Our expert hosts, with real industry experience, are joined by the biggest decision-makers, VCs, and reporters from across financial services including Visa, Monzo, Nationwide, JPMorgan Chase, Wise, the Financial Times, and more to discuss breaking news and deep dive into the biggest topics and trends within the industry.

Our weekly news show drops every Monday and tackles the biggest news stories across M&A, open banking, embedded finance, payments, regulation and more. Then, every Thursday our Insights show dives deeper into the hottest topics shaping the industry like AI, regulation, Big Tech, the cost of living crisis, and more. Whether you’re already immersed in the world of financial services, or just keen to learn more, this is the #1 podcast for you.

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Episodes page 2 of 6

  1. 1063. Insights: Can traditional banking survive the AI era?

    · 51 min · Episode 1063

    About this episode: AI is changing banking - but are banks ready for what comes next? In this episode of Fintech Insider Insights, in partnership with Backbase, David Brear is joined by Jouk Pleiter, CEO & Founder of…

  2. 1062. News: Targeted support lands, FIS and Anthropic team up to reshape banking, and Monzo expands to Spain

    · 1 h 02 min · Episode 1062

    About this episode: Host Benjamin Ensor - Director of Research and Strategy at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This…

  3. 1061. Insights: The advice gap: Are banks helping customers or protecting themselves?

    · 46 min · Episode 1061

    About this episode: Advice is regulated and personalised. Guidance is broader and safer - but that line is starting to blur. In this episode of Fintech Insider Insights, host Kate Moody explores the gap between what…

  4. 1060. News: NatWest, HSBC & Lloyds face new rules, Adyen drops €750m and Revolut steps into the real world

    · 59 min · Episode 1060

    About this episode: Host Laura Watkins - Director of Media and Marketing at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's…

  5. 1059. Insights: The payments boom connecting APAC and Latin America

    · 43 min · Episode 1059

    About this episode: Latin America is one of the fastest-growing e-commerce markets in the world - but winning there isn’t easy. In this episode of Fintech Insider Insights, in partnership with PPRO, Benjamin Ensor is…

  6. 1058. News: Revolut’s $200bn ambition, TikTok’s creator card, and Lloyds digitises homebuying

    · 58 min · Episode 1058

    About this episode: Host Benjamin Ensor - Director of Research and Strategy at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This…

  7. 1057. Insights: From inertia to advocacy: Rethinking customer loyalty in fintech

    · 52 min · Episode 1057

    About this episode: What does customer loyalty really mean in financial services - and has it ever been real? In this episode of Fintech Insider Insights, Kate Moody is joined by Rosie Lee, Jas Shah, and Alex Johnson…

  8. 1056. News: AI is everywhere: FCA's open finance roadmap, Google’s Global AI, and the Lloyds' boardroom

    · 1 h 06 min · Episode 1056

    About this episode: Host Benjamin Ensor - Director of Research and Strategy at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This…

  9. 1055. Insights: What happens when embedded finance grows up? With Pleo and Mastercard

    · 45 min

    About this episode: In this episode of Fintech Insider Insights, in partnership with Pleo, host Benjamin Ensor is joined by Jeppe Rindom (Co-Founder & CEO at Pleo) and Tulsi Narayan (EVP, Commercial and New Payment…

  10. 1054. News: Jamie Dimon raises the alarm, Barclays brings back branches, NatWest and Sainsbury's join forces

    · 1 h 11 min · Episode 1054

    About this episode: Host Laura Watkins - Director of Media and Marketing at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's…

  11. 1053. Insights: Agentic payments: Revolution or just better orchestration?

    · 57 min · Episode 1053

    About this episode: Is the traditional checkout about to disappear? Benjamin Ensor is joined by Rory O’Neill, Sahar Attaripour, and Sam Boboev to explore the rise of agentic payments - a fundamental shift from…

  12. 1052.News: AI agents are trading, Monzo is retreating, and Wise is coming for the banks

    · 1 h 11 min · Episode 1052

    About this episode: Host Ross Gallagher - Head of Consulting at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's guests:…

  13. 1051. Insights: Money movement just became a competitive advantage

    · 49 min · Episode 1051

    About this episode: Is treasury becoming a strategic powerhouse? Benjamin Ensor is joined by Adyen’s Adrian Davis and BCG’s Stanislas Nowicki to explore how real-time payments, rising customer expectations, and…

  14. 1050.News: Starling launches UK’s first agentic AI banking, Paymentology’s WhatsApp neobank and Turkey SEPA expansion

    · 1 h 08 min · Episode 1050

    About this episode: Host Laura Watkins - Director of Media and Marketing at 11:FS is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's…

  15. 1049. Insights: Can you trade the future? The rise of prediction markets

    · 50 min · Episode 1049

    About this episode: Prediction markets are booming but what are they, and why is everyone talking about them? In this episode of Fintech Insider Insights, Kate Moody is joined by Emily Nicolle at Bloomberg and Kate…

  16. 1048. News - After Dark: Robinhood's family plan, Irish banks team up to take on fintechs, and did Year in Monzo go too far?

    · 57 min · Episode 1048

    About this episode: Our expert host Ross Gallagher, and co-host Jamie Campbell, Co-CEO of 11:FS Holdings, present Fintech Insider News live from Village Underground in London, joined by some fantastic guests to…

  17. 1047. Insights: Can you launch a start-up in 2026? Live from J.P. Morgan Payments

    · 53 min · Episode 1047

    About this episode: Recorded live from J.P. Morgan’s e-commerce and fintech forum, 11:FS CEO David M. Brear is joined by an all-star panel to tackle a deceptively simple question: can you still launch a startup in…

  18. 1046. News: Revolut is a bank, Lloyds wants to be a fintech - we're just as confused as you

    · 53 min · Episode 1046

    About this episode: Host Benjamin Ensor - Director of Research and Strategy at 11:FS is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's…

  19. 1045. Insights: Has the banking battlefield evolved - and is Revolut built for it?

    · 50 min · Episode 1045

    About this episode: For years, banking has been framed as a battlefield: incumbents defending their turf while fintech challengers attack with better tech and customer experience. But in 2026, that picture may have…

  20. 1044. News: Revolut launches £65-a-month ultra-premium business card to take on American Express

    · 1 h 00 min · Episode 1044

    About this episode: Host Laura Watkins (Director of Media and Marketing at 11:FS) is joined by a brilliant panel to unpack these topics before diving into some of the biggest fintech stories of the week. Sunday 8th…

  21. 1043. Insights: Inside HSBC Innovation Banking UK’s future with CEO Emily Turner

    · 43 min

    About this episode: In this episode of Fintech Insider, David M. Brear sits down with Emily Turner, the newly appointed CEO of HSBC Innovation Banking UK, for a conversation about leadership, innovation, and the…

  22. 1042. News: Is Klarna a reality check for fintech IPO hopes?

    · 1 h 08 min · Episode 1042

    About this episode: Host David M. Brear, CEO of 11:FS, is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's guests: Joe Colchester, Head…

  23. 1041. Insights: How to build a high-performing product team

    · 50 min · Episode 1041

    About this episode: In this episode of Fintech Insider Insights, Kate Moody is joined by an expert panel of product leaders to unpack a question every startup and scale-up eventually faces: how do you build the dream…

  24. 1040. News: Is this a once in a generation opportunity to change up the UK payments system?

    · 1 h 03 min

    About this episode: Host Ross Gallagher, Head of Ventures at 11:FS, is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's guests: •…

  25. 1039. Insights: Stablecoins, clearing and the future of payments with Emma Hagan, UK CEO of ClearBank

    · 40 min

    About this episode: In this episode of Fintech Insider, David M. Brear sits down with ClearBank’s UK CEO, Emma Hagan, to explore how the UK’s first new clearing bank in over 250 years is reshaping financial…

  26. 1038. News: What happens when the world's biggest YouTuber buys a fintech?

    · 58 min

    About this episode: Host Kate Moody, Customer Strategy Director at 11:FS, is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's guests:…

  27. 1037. Insights: Shaping safe AI innovation - Live from the FCA’s Supercharged Sandbox Showcase

    · 53 min

    About this episode: In this special live edition of Fintech Insider Insights, recorded at the FCA’s Supercharged Sandbox Showcase, David M. Brear is joined by leaders from the regulator, industry and the technology…

  28. 1036. News: Checkout strikes a chord with Spotify as Nubank, Revolut and Starling set their sights on the US

    · 59 min · Episode 1036

    About this episode: Host Benjamin Ensor, Director of Research and Strategy at 11:FS, is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. Producer's…

  29. 1035. Insights: Six predictions that will reshape customer experience in financial services

    · 55 min · Episode 1036

    About this episode: What’s next for fintech UX in 2026? Ross Gallagher, Head of Consulting at 11:FS, is joined by some great guests to break down six financial services UX predictions from the latest 11:FS Pulse…

  30. 1034. News: Was Brex a bargain buy for Capital One?

    · 1 h 02 min

    About this episode: Host Benjamin Ensor, Director of Research and Strategy at 11:FS, is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's…

  31. 1033. Insights: How modern finance teams can win the next 10 years

    · 49 min · Episode 1033

    About this episode: On this week’s episode, in partnership with Pleo, host Benjamin Ensor is joined by Jeppe Rindom, Co-Founder and CEO of Pleo; Søren Westh Lonning, CFO at Pleo; and Megan Cooper, CEO of Caywood, to…

  32. 1032. News: Revolut heads to Peru, Stream raises $90m, and… are you dead?

    · 1 h 04 min

    This episode was recorded before the news broke that Capital One is buying Brex (thanks for that one, guys!). We’ll be covering it on next week’s pod. About this episode: Host Kate Moody, Customer Strategy Director…

  33. 1031. Insights: How OpenAI is shaping the future of financial services

    · 48 min · Episode 1031

    About this episode: On this week’s episode, host David Barton-Grimley is joined by Matt Weaver, Head of Solutions Engineering for EMEA at OpenAI, to explore the impact OpenAI is having on the financial services…

  34. 1030. News: Nala and Noah partner on cross-border stablecoins – is a 10% US credit card interest cap coming?

    · 1 h 10 min

    About this episode: Host Laura Watkins, Director of Media & Marketing at 11:FS, is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's…

  35. 1029. Insights: How AI is reshaping consumer-focused banking

    · 50 min · Episode 1029

    About this episode: On this week's episode, David M. Brear is joined by some great guests to tack a question on every bank and fintech leader’s mind: is AI redefining consumer-focused banking in 2026? Using our…

  36. 1028. News: Flutterwave buys Mono, PicPay files for a US IPO, and Jamie Dimon is ready to share JPMorgan’s ‘secret sauce’

    · 1 h 00 min · Episode 1028

    About this episode: It's our first news pod of 2026! Host Ross Gallagher, Head of Consulting at 11:FS, is joined by some great guests to discuss the biggest stories from the world of financial services over the past…

  37. 1027. Insights: Lights, camera, transactions! Engineering payments at a global scale with JP Morgan and Netflix

    · 53 min · Episode 1027

    About this episode: Ever wondered what goes into making a blockbuster payments system? In this episode, David M. Brear, Group CEO at 11:FS, sits down with two heavyweights in the payments world: Tracy Birdsall,…

  38. 1026. Insights: Our fintech predictions for 2026

    · 1 h 04 min · Episode 1026

    About this episode: Happy New Year and welcome to the first episode of Fintech Insider of 2026! In this episode, the team are kicking things off with bold predictions for the year ahead, some you might have seen…

  39. 1025. News: GoCardless CEO lifts the lid on the Mollie deal as Monzo targets Revolut’s dominance in Ireland

    · 53 min · Episode 1025

    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…

  40. 1024. Insights: The moments that made fintech in 2025

    · 53 min · Episode 1024

    About this episode: Join host Laura Watkins in this episode of Fintech Insider as we reflect on another wild year in fintech. She’s joined by 11:FS experts Joe Colchester and David Barton-Grimley to break down the…

  41. 1023.News: How Airwallex became an $8 billion fintech giant as US funding falls

    · 56 min · Episode 1023

    About this episode: Host Kate Moody, Customer Strategy Director 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…

  42. 1022. Insights: How small and medium-sized businesses win with embedded finance

    · 38 min · Episode 1022

    About this episode: Banks aren’t just building apps anymore - they’re building digital CFOs. Join Kate Moody in this episode of Fintech Insider as she explores how SMB banking is evolving from simple dashboards to…

  43. 1021. News: Revolut takes on phone snatchers - and banks still need to take sustainability seriously

    · 1 h 06 min · Episode 1021

    About this episode: Host David Barton-Grimley, Fintech Strategy Director and Head of Product 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,…

  44. 1020. Insights: How ready are you for stablecoin regulation?

    · 45 min · Episode 1020

    About this episode: Benjamin Ensor takes you deep into one of digital finance’s most complex - and fastest-evolving - frontiers: stablecoin regulation. With the US GENIUS Act reshaping digital-asset oversight, the…

  45. 1019. News: Bank it like Beckham, Klarna’s stablecoin pivot, and Chase taps in on the Tube

    · 1 h 03 min · Episode 1019

    About this episode: Host Ross Gallagher, Head of Consulting 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…

  46. 1018. Insights: What it's actually like to build a fintech in the Middle East

    · 56 min · Episode 1018

    About this episode: In this special episode David M. Brear digs into what it really takes to succeed as a fintech startup in the Middle East. At the first-ever Money 20/20 Middle East in Riyadh, the fintech startup…

  47. 1017. News - After Dark: Long live the high street bank! Revolut checks in with Booking.com, and Visa trials stablecoin payouts

    · 58 min · Episode 1017

    About this episode: Our expert host, David M. Brear, and co-host, Kate Moody, present Fintech Insider News live from Village Underground in London, joined by some fantastic guests to discuss the biggest fintech and…

  48. 1016. Insights: Is agentic commerce the future of payments? Live from Paris with J.P. Morgan

    · 53 min · Episode 1016

    About this episode: Live from Paris, David M. Brear steps into the heart of payments transformation - a shift that’s unfolding far beyond the checkout screen and deep within the financial stack. Commerce has become…

  49. 1015.News: PayPal launches BNPL in Canada, Coinbase expands into current accounts - and financial education hits the classroom

    · 1 h 12 min · Episode 1015

    About this episode: Host Laura Watkins, Director of Media and Marketing, 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…

  50. 1014.Insights: How do you onboard a borderless business?

    · 52 min · Episode 1014

    About this episode: In this episode, in partnership with 3S Money, host Benjamin Ensor is joined by a panel of experts to unpack a challenge that affects every business in financial services: the broken state of…

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