11:FS

Fintech Insider Podcast by 11:FS

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

Author

11:FS

Category

Business

Latest episode

Jul 9, 2026

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Episodes

1004. Insights: The stablecoin stack: building real-world payment rails 09.10.2025

About this episode: Stablecoins Yep, we’re talking about those again - but this time, the story’s changed. The market has jumped to $270B, transaction volumes are rivalling SWIFT, and - finally - stablecoins are making real money. In this episode of Fintech Insider Insights, in partnership with Fireblocks, David Barton-Grimley is joined by an expert panel to get practical on how to actually operat...

1003. News: SWIFT embraces blockchain, JP Morgan ditches Nutmeg and what do digital IDs mean for fintech? 07.10.2025

About this episode: Host Benjamin Ensor, Director of Research and Strategy, 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: SWIFT joins forces with global banks in a major blockchain overhaul - we break down what it means. Th...

1002. Insights: The digital transformation race: big banks vs neobanks. 02.10.2025

About this episode:In this episode, in partnership with Enfuce, host Benjamin Ensor dives into the real state of banking transformation in today’s digital-first world. It’s no longer just legacy banks versus neobanks; it’s about who can truly meet rising customer expectations, master regulatory complexity, and scale quickly without breaking what already works. Are the big banks finally pulling ahe...

Bonus: Shaping the future of finance: Derek White on big banks, bold moves and building at Galileo 01.10.2025

About this episode: On this episode of Fintech Insider, host David M. Brear sits down with Derek White, a leader who’s helped shape the future of finance from the inside across global banks, cutting-edge tech giants, and now, as CEO of Galileo. We dive into: Derek’s unique career journey: from traditional banking to transformational innovation How his experience is shaping the next phase of financ...

1001. News - After Dark: Starling's glow-up, Gen Z’s saving streak and WhatsApp moves into SME payments 29.09.2025

About this episode: Our expert hosts Ross Gallagher and Kate Moody present Fintech Insider News live from Village Underground in London, along with some great guests to discuss the biggest fintech and financial services news this week. Stories covered on the podcast this week include: Starling unveils a bold new rebrand and a scheme aimed at helping the UK get 'better with money'. We dive into fre...

1000. Insights: Fintech highlights from the past 10 years 25.09.2025

About this episode: It's here! We did it! Our 1,000th show is now yours. 🎉 That’s right - 1,000 episodes of diving deep into the trends, challenges, and characters that make fintech one of the most exciting industries on the planet. From our very first recording back in 2016 to now, it's been an incredible journey - and we couldn’t have done it without our amazing community. To mark this mileston...

999. News: Plaid pays JP Morgan, HALA's record breaking raise, and Thunes speeds up Saudi payments 22.09.2025

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. This week's guests: Ahmad Yaacoub - VP MENA and Country Head for Saudi Arabia at Thunes Mei Lim - Group CFO and Managing Partner at Anthemis and CommonAI Board Dire...

998. Insights: The new rules of underwriting - Live from Money20/20 Middle East 18.09.2025

About this episode: In this episode of Fintech Insider Insights by 11:FS, recorded in partnership with AdalFi and live at the very first Money20/20 Middle East in Saudi Arabia, host David Barton-Grimley explores a critical and fast-evolving frontier in financial services: the future of underwriting. As SMEs sit at the intersection of consumers and banks, the lines between who serves whom—and how—a...

997. News: Revolut’s UAE licence, Pipe’s partnership with Uber, and Accion Ventures’ inclusion fund 15.09.2025

About this episode: Host Benjamin Ensor, Director of Research & Strategy, 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. This week's guests: Luke Voiles - CEO of Pipe Amee Parbhoo - Managing Partner at Accion Ventures  Uneesa Zaman - Founder of Ayda Invest Stories covered on the podca...

996. Insights: How are real-time payments reshaping global finance? 11.09.2025

About this episode: Money is moving faster than ever - across borders, between people, even between machines. Real-time payments and account-to-account (A2A) technology are quietly transforming the payments landscape, challenging legacy systems and reshaping how we move money. In the UK, change is on the horizon as the government sets out plans to modernise payment infrastructure. But can the syst...

995. News: Klarna finally files its IPO; Crowdcube target later stage investors; and 11:FS Holdings takes on private banking 08.09.2025

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. This week's guests: Jamie Campbell, Deputy CEO at 11:FS Holdings Matt Cooper, Co CEO at Crowdcube Mike Curtis, Co-founder and CTO at Multiply ai Also featuring voice...

994. Insights: The future of partnerships in fintech 04.09.2025

About this episode: We’re all looking for the perfect partner- whether in life or business. And in today’s fast-moving fintech world, the right partnership can make or break your product. In 2025, digital innovation is reshaping how companies collaborate. According to Deloitte, over 70% of fintech product launches now involve a strategic partner and cross-company collaboration has doubled in just...

993. News: Visa’s exit from US open banking, free subway rides from Revolut, and the great UK meal deal debate 01.09.2025

About this episode: Content warning: This episode includes discussions of suicide, which some listeners may find distressing. Please take care while listening Host Kate Moody, Fintech Strategy Director 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. This week's guests: Megan Caywood, ...

992. Insights: Why are stablecoins SO hot right now? 28.08.2025

About this episode: As a long, hot summer in fintech rumbles on, we thought we’d take a closer look at what’s heating up the industry right now - stablecoins. Once a niche corner of crypto, stablecoins are now reshaping everything from cross-border payments and corporate treasury to on-chain finance and consumer savings. With an estimated $230–$270 billion in circulation and growing adoption from...

991. News: Klarna’s big loan moves, Monzo’s mobile expansion & Robinhood’s AI investing launch 25.08.2025

About this episode: Host David Barton Grimley, Director of Startegy 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. This week's guests: Anine de Kock, Head of Partnerships at Peach Payments Jason Saltzman, Head of Insights at CB Insights Chantal Swainston,...

990: Insights: What’s happening with agentic AI in financial services right now? 21.08.2025

About this episode: AI has already delivered impressive gains - from streamlining back-office operations to powering conversational assistants. But Agentic AI represents an entirely new frontier. These systems don’t just respond - they act. They make decisions, take initiative, and operate on behalf of users with a level of autonomy that could fundamentally reshape how banks and financial institut...

989: News: Stripe partners EBANX to push Pix for SMBs in Brazil, and Brex breaks into Europe 18.08.2025

About this episode: Join host Benjamin Ensor from 11:FS as he teams up with an expert panel to explore the week’s biggest stories across fintech, banking, and the broader financial services landscape. This week's guests: Aaron Carpenter, CEO at Transact Pay Bruno Diniz, Managing Partner at Spiralem Theodora Lau,  Founder of Unconventional Ventures Also featuring a voice note from Daniel Kornitzer,...

988: Insights: How can the UK regain its fintech mojo? 14.08.2025

About this episode: London was the fintech capital. Smart regulation. Absurd levels of talent. Mountains of capital. All crammed inside the M25 like a pressure cooker. And for years, it worked. We weren’t just on the map. We were the map - the bloody compass, even. But fast forward to today, and it doesn’t feel like we’re top dog anymore. London’s not punching like it used to. So… what happened? M...

Live show announcement! After Dark | Live podcast in London | Tickets available now 13.08.2025

Fintech Insider is about to hit 1000 episodes! We’re celebrating this epic milestone with a very special Fintech Insider: After Dark. Join fellow fintech fans for an evening of food, drinks, and good vibes as we bring you a live edition of our news podcast featuring your fave Fintech Insiders. Tickets are free and available right now at 11fs.com/afterdark  When: Wednesday 24th September from 6pm W...

987: News: Revolut go after US banking licence, record breaking raises in the UAE, and is Klarna's IPO back on track? 11.08.2025

About this episode: Join host Ross Gallagher from 11:FS as he teams up with an expert panel to explore the week’s biggest stories across fintech, banking, and the broader financial services landscape. This week's guests: Brian Spurling - Head of EMEA at Cogo Jasper Sneff Nanni - Managing Principal at FS Vector Ruth Foxe Blader - Managing Partner, Foxe Capital Stories covered on the podcast: This w...

986: Insights: Getting the UK innovating again: A conversation with Colin Payne from the FCA 07.08.2025

About this episode: This week’s episode is brought to you by someone who truly lives at the intersection of regulation and innovation: Colin Payne, Head of Innovation at the FCA. If you’re not familiar with the FCA - the Financial Conduct Authority - it’s one of the UK’s key financial regulators. Think of it like the SEC in the US: overseeing markets to ensure they’re fair, transparent, and safe....

985. News: UAE surpasses UK in fintech funding, PayPal enables crypto payments, and Wise moves closer to US listing 04.08.2025

About this episode: Join hosts Laura Watkins and Ross Gallagher from 11:FS as they team up with an expert panel to explore the week’s biggest stories across fintech, banking, and the broader financial services landscape. This week's guests: Michael Carter - Senior Policy Advisor at Innovate Finance Sophie Guibaud - Strategic Sparring Partner, Building Alpha Stories covered on the podcast: We discu...

984. Insights: Are financial services still failing small businesses? 31.07.2025

About this episode: Small and medium-sized businesses -or SMEs - are the backbone of the global economy. But despite their vital role in the financial ecosystem, they’re still too often overlooked and underserved. This week, we’re putting SMEs back in the spotlight - and for good reason. You might be thinking, “Haven’t we covered this before?” And yes, we have. But in 2025, the challenges have evo...

983. News: Monzo shifts investments to Seccl, Pipe levels up with AI and BNPL meets its regulator 28.07.2025

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, Monzo begins migrating its investment accounts to Seccl, and we’re joined by Seccl to unpack what this means f...

982. Insights: Things just got personal - The case for better personalisation in financial services 24.07.2025

About this episode: Today, we're zooming in on one of the hottest buzzwords in financial services: personalisation. But we're not just talking about your bank app greeting you by name - we're asking the big questions: 👉 What really makes an experience feel personal? 👉 Is it smarter product suggestions, or a full-on redesign of how value is delivered to you? In this episode, David Barton-Grimley...

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