Fintech Insider Podcast by 11:FS

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 Digital R.I.C.H.E.S framework, we explore how AI is changing the way financial services meet customers at their point of need, from real-time insights and smarter personalisation to context...

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 week. This week's guests: Sarah Kocianski, Fintech Consultant & Advisor Benjamin Dada - Fintech operator & Founder, Condia Miguel Armaza - General Partner at Gilgamesh Ventures  Storie...

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, Managing Director and Head of EMEA & APAC, Merchant Services Sales, at J.P. Morgan Payments, and Kristen Morrow-Greven, Vice President and Head of Global Payments at Netflix. They dive into...

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 coming and some that might surprise you. They stake their reputations, embrace a bit of friendly ribbing, and share their most daring forecasts for the future of fintech. To uncover these...

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 this week include: On this week’s final news show of the year, we hear from GoCardless about their exciting acquisition by...

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 year’s most memorable moments. From the fintech feel-good story of the year and the buzziest new term, to the partnership that caught everyone off guard and the glow-up that wowed the in...

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 services this week. Stories covered on the podcast this week include: On this week’s podcast, we dive into Airwallex’s massive funding raise and explore what it could mean for the comp...

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 intelligent financial guidance. Small businesses don’t just want to see their balance - they want insight, advice, and a GPS for their finances. Tune into this episode, in partnership wi...

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, banking, and wider financial services this week. Stories covered on the podcast this week include: Wise has received its first regulatory licence in Africa. This licence allows Wise to...

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 EU’s MiCA rules setting a unified standard, and the UK opening the door for stablecoins as an official form of payment, one thing is clear: stablecoins are going mainstream, fast. In thi...

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 services this week. Stories covered on the podcast this week include: On this week’s episode, Tide has expanded its SMB offering with the launch of its latest connected insurance product....

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 scene was buzzing with energy - from the celebrations and free swag to the steady flow of Arabic coffee. One real highlight was the Money Surge competition: 15 founders, 3 minutes each,...

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 financial services stories of the week. Stories covered on the podcast this week include: With help from our live audience, we dive into Nationwide’s pledge to keep all their high stree...

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 something that operates in the background, quietly and intelligently. This is the emergence of agentic commerce, where automation and intent drive every interaction. The conversation ex...

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 services this week. Stories covered on the podcast this week include: Financial education is set to hit classrooms across the UK - we take a look at how this initiative is being receive...

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 business onboarding. Whether you’re a fintech startup, a digital bank, or a licensed financial institution, onboarding a business is where the innovation stops and the compliance chaos beg...

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 this week include: There’s turbulence in the mortgage market this week, as HSBC begins offering mortgages worth up to 6.5...

About this episode: In this episode of Fintech Insider, we dig into how UK banks can reclaim their fintech edge in a fast-moving global market. Host Ross Gallagher and co-host Tim Heard from 11:FS are joined by innovation leaders from NatWest, Santander, and Lloyds Banking Group to unpack what it really takes to modernise at scale. From cultural shifts and agile delivery to smarter governance for...

About this episode: Host Ross Gallagher, Head of Consulting at 11:FS, is joined by a fantastic panel of guests from Checkout.com, Galileo, SoFi’s tech platform, and Anthemis 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 this week include: This week, we explore how Starling is tackling scams wi...

About this episode: In this episode, host Kate Moody is joined by an expert panel in partnership with LexisNexis Risk Solutions to unpack a trend that’s quietly reshaping global finance: the slowdown in sanctions activity. With the latest Sanctions Pulse Report showing a 40% drop in new designations - the steepest decline in three years - the team explores what’s really behind the numbers, and wha...

About this episode: Host David Barton-Grimley, Director of Strategy 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, banking, and wider financial services this week. Stories covered on the podcast this week include: As AWS outages shook the world this week, we explore how the disruption sent ripples throu...

About this episode: This week we’ve got something a little different for you. David Barton-Grimley recently returned from the very first Money20/20 Middle East in Saudi Arabia - and beyond enjoying endless cups of Arabic coffee (and collecting a serious stash of swag), he was genuinely inspired by the region’s buzzing startup ecosystem. The energy, innovation, and ambition across the market were i...

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 this week include: This week on the podcast, Wise is making big moves in India with the launch of their travel card - and...

About this episode: AI is everywhere-your newsfeed, your boardroom, your LinkedIn inbox. But when it comes to real, customer-facing use cases in finance… there’s not much to see. Why isn’t AI transforming the customer experience yet? What’s working behind the scenes, and what’s just hype? On this episode we’re cutting through the hype. From smart chatbots and virtual agents to automated KYC, compl...

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 services this week. Stories covered on the podcast this week include: Checkout takes a bold step into U.S. banking with its new charter license - but what does that really mean in prac...