Fintech Insider Podcast by 11:FS
11:FS 1 061 episodes Nov 11, 2026
Fintech Insider is a podcast from 11:FS, a fintech consultancy based in the UK. The show features expert hosts and guests from major financial institutions like Visa, Monzo, and JPMorgan Chase. It covers breaking news and deep dives into topics such as open banking, payments, AI, and regulation. New episodes drop weekly on Mondays and Thursdays.
Episodes
Bonus: Why financial services can’t afford to wait on AI - with Samantha McBride, CEO of Ani Tech
About this episode:
From hedge funds to building AI agents, Samantha McBride's journey into fintech has been anything but conventional.
In this bonus episode of Fintech Insider Insights, David M. Brear is joined by Samantha McBride, founder and CEO of Ani Tech, to explore how AI agents are transforming financial services and why firms that fail to embrace the technology risk being left behind.
1114. News: Binance’s $6.3bn hack, Mastercard’s AI future, and Revolut secures NZ banking licence
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:
Dr Clive Summerfield - CEO of FARx,
Wincie Wong - Founding Member of Tech She Can
James A. Brown - CEO of Leeds Credit Union
Plus voice note from:
Binu Paul - Consultant at Savv
1113. Insights: What happens to banking when money manages itself?
About this episode:
As AI agents become capable of automatically moving money, optimising savings and making financial decisions on our behalf, could they fundamentally challenge the way banks make money?
Host Ross Gallagher is joined by Conrad Ford from Allica Bank, Merusha Naidu from Paymentology, and Aurélien Bonnel from N3XT, to explore what fully automated money could mean for the future of
1112. News: Plum gets targeted support green light, Chargebacks911 protects AI purchases, and Mastercard teams with MrBeast
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:
Daniel Wills- Senior Financial Advisor at Plum
Matthew Goldman - Founder and Managing Member at Totavi
Brad Wiskirchen - Chief Commercial Officer at Chargebacks911 and CEO at Fi911
1111. Insights: Make a wish! What would you wish to change about Financial Services?
About this episode:
It's episode 1111 of Fintech Insider, and we're making a wish!
To celebrate this milestone, we're turning the tables on our usual hosts and asking a simple question: If you could change anything about financial services, what would you wish for?
Stepping in as our Fintech Fairy Godmother, Sarah Kocianski, Scaling & Growth Specialist at the FCA, is joined by three familiar vo
1110. News: Acorns targets Gen Z, Huntington teams up with Google Cloud, and Confide tackles agentic governance
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 guests:
Pav Gill - Founder and CEO at Confide
Vijay Konduru - Head of Business Innovation & AI Products at Huntington National Bank
Maia Bittner - Chief Product Officer at Imprint
1109. Insights: When AI agents become your colleagues, who keeps them in check?
About this episode:
AI agents are moving beyond helping employees work faster. They're increasingly being connected to company knowledge, internal systems and workflows, allowing them to take action and become part of how organisations operate.
But as AI agents become more capable, how much autonomy should we give them? Who decides what they can access, who's accountable when something goes wron
1108. News: Ramp hits $60bn valuation, UK venture capital breaks records, and Bank of America and Amex face AML fines
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:
Joe Parkin - Managing Partner, FG Partners
Kemi Odusan - Head of Growth, spektr
Marit Rødevand - CEO and co-founder, Strise
Stories/timestamps:
Ramp reportedly hits $60bn valuation i
1107. Insights: Can banks turn high earners into wealthy customers?
About this episode:
Earning a good salary doesn't necessarily mean building wealth. For a growing group of high earners, often referred to as HENRYs (High Earners, Not Rich Yet), the journey from financial success to long-term wealth can be surprisingly difficult.
While traditional banking focuses on everyday financial needs and wealth management often caters to those who have already accumulat
Bonus: Inside Project Nemo’s mission to make banking work for everyone
Millions of people need support managing their money, but financial services aren't always designed to make that easy, safe or accessible. So what needs to change?
Host David M. Brear is joined by Joanne Dewar, Co-Founder of Project Nemo, and Anna Wallace, CEO of the Centre for Finance, Innovation and Technology (CFIT), to explore why supported payments remain a major gap in financial inclusion.
1106. News: ASOS hit by cyberattack, UK finance eyes tokenisation, and can open banking help tackle credit exclusion?
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:
Alex Marsh - CEO of Salad Group
Veronica Glab - Factional consultant
Alex Gluchowski - CEO of Matter Labs
Stories/timestamps:
Community finance and open banking could help the UK'
1105. Insights: Who owns the banking relationship in the AI era?
About this episode:
As AI becomes another interface between customers and their money, could banks lose their place at the centre of the financial relationship?
Host Kate Moody is joined by Udi Ziv, CEO of Personetics, Megan Caywood, CEO of Caywood, and Ron Shevlin, Chief Research Officer at Cornerstone Advisors, to explore who owns the banking relationship in the AI era. They discuss whether b
1104. News: Nubank rules out Monzo takeover, Checkout.com opens the books, and Ramp hits Broadway
Welcome to this week’s Fintech Insider News podcast, where host Benjamin Ensor is joined by expert guests to unpack the biggest fintech and financial services stories of the week - and, for this week only, a little bit of theatre, darlings.
This week's guests:
Rory O'Neill - Chief Marketing Officer at Checkout.com
Sam Maule - Head of Business Development at Moov
Irina Chuchkina - Fintec
1103. Insights: Who’s winning the US digital banking race?
About this episode:
US banking customers have more choice than ever. But does more choice mean better banking?
Host Benjamin Ensor is joined by Joe Colchester, Head of Product at 11:FS Pulse, and Oliwia Wasik, Product Manager and Benchmark Lead at 11:FS Pulse, to unpack the findings from Pulse’s latest US benchmarking research.
They explore what the leading digital banking experiences are getti
1102. News: Amazon blocks Meta’s AI agent, Ryft raises £20m, and Sprive bags $10m
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 guests:
Sadra Hosseini, CEO at Ryft
Oban MacTavish - Co-Founder and CEO at Spade
Shareq Husain, COO at Just Move In
Plus voice note from:
Clare Gambardella, Chief Customer Offic
1101. Insights: Why does your financial life reset when you move countries?
About this episode:
Moving countries has never been easier. But what happens when your financial identity doesn’t move with you?
Host Benjamin Ensor is joined by Merusha Naidu, Global Head of Partnerships at Paymentology, Ibrahim Oladele, Founder of Maxim, and Valerie Kontor, Founder of Black in Fintech, to explore why financial lives still stop at national borders, how portable financial ident
1100. News- After Dark: Nubank takes on the US, Monzo Aura launches, and can you trust AI with your money?
About this episode:
Our expert host David M. Brear, CEO at 11:FS, and co-host Kate Moody, Customer Strategy Director at 11:FS, present a very special edition of Fintech Insider News live from Village Underground in London. Joined by some fantastic guests and our live audience, we celebrate our 1,100th episode by discussing some of the biggest fintech and financial services stories of the week.
S
1099. Insights: Subscription banking - Can banks turn customers into subscribers?
About this episode:
Subscription banking is growing – but what makes customers willing to pay for something they’ve traditionally expected for free?
In this episode of Fintech Insider Insights, host Ross Gallagher is joined by Joe Wilson, Chief Evangelist and Senior Strategist at bunq, and Lukas Hora, Chief Sales Officer at Tapix, to explore the rise of subscription banking and what customers ac
1098. News: Chime buys Stride Bank, Molten raises £175m, UBS puts AI on the job spec
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:
Nadia Edwards-Dashti - Chief Customer Officer at Harrington Star
John Reynolds - Fintech reporter at Tech.eu
Jason Mikula - Publisher of Fintech Business Weekly
Stories/timestam
1097. Insights: When money moves 24/7, can treasury keep up? With J.P. Morgan
About this episode:
Money moves around the clock. But can treasury keep up?
In this episode of Fintech Insider, in partnership with J.P. Morgan, host Benjamin Ensor is joined by Amy Eckhoff and Ross Webster from J.P. Morgan, alongside Nium’s Heather O'Gorman, to explore what liquidity management looks like in an increasingly real-time financial system.
From navigating liquidity across different
1096. News: Singapore puts $173m behind fintechs, Plum picks Upvest, and US regulators tighten the rules
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 guests:
Valentina Kristensen - Corporate Affairs Director (CAD) at OakNorth
Rashmi d'Souza - VP, Product & Design at Plum
Todd Phillips - Director at Klaros Advisors
Stories/timestamps:
Plum sel
1095. Insights: Is financial services failing Gen Z?
About this episode:
Gen Z is often told it needs to get better with money. But with younger people facing a very different economic reality, does Gen Z really have a financial literacy problem — or does financial services have a Gen Z problem?
Host Kate Moody is joined by Neil Kadagathur, Co-founder and CEO of Creditspring, Zeynep Guzel, Risk Analyst at DRW, and Diana Kamil-Salmon, Associate Di
1094. News: UK fintech funding hits a decade low, NatWest backs accessible banking, and Pay.com.au takes on America
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:
Clare Black - COO at CFIT
Joe Parkin - Managing Partner at FG Partners
Blake Hutchison - CEO at PayRewards US
Plus voice note from:
Emily Stokes, product delivery manager a
1093. Insights: What it’s really like to start a fintech in 2026
Starting a fintech has never been easier but has building a successful one ever been harder?
Host David M. Brear is joined by Fatbardha Rino, CEO of Jet Bank, and Herbie Wildwood, Founder of Legacy, to explore what it really takes to build a fintech in 2026, from funding and differentiation to AI, infrastructure and the challenges founders don't see coming.
This week's guests:
Farbardha Rino- C
1092. News: Finally, the robots take over: Starling gets smarter, Stripe buys OpenRouter, and Visa and Mastercard unite on agentic payments
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 guests:
David Sullivan - Data Director of Starling
Stefano Pasquali - Head of Financial Services at Domyn
Aditi Subbarao - Financial Services for Snowflake
Stories/timestamps:
Starling to relea
1091. Insights: Can AI make us financially healthier?
About this episode:
For years, financial wellness has focused on helping people become better at managing their money. But what if the next generation of financial products could take some of that burden away entirely?
Host Ross Gallagher is joined by Lucy Wayment, Co-founder of Welleness, and Aditi Subbarao from Snowflake to explore whether AI can genuinely improve financial wellness, what happ
1090. News: Can anyone stop Revolut? Can Countingup and Griffin tackle SME pain? Can the FCA help UK fintechs scale?
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:
Phoebe Wallis - Chief Revenue Officer at Griffin
Veronica Glab - Strategic Partnerships Lead at Juice
Tom Mylrea-Lowndes - General Counsel and Head of Corporate and Regulat
1089. Insights: Why does wealth management arrive too late?
About this episode:
For many founders, selling a company is seen as the finish line. But some of the biggest financial decisions around an exit happen long before the deal is done - so why does wealth management so often arrive too late?
Host David Brear is joined by Stephany Kirkpatrick, founder of Pretty Smart Money and Orum, and Kate Moody, Customer Strategy Director at 11:FS, to explore why
1088. News: Visa bets $2.4bn for BioCatch, InvestiFi raises $20m, and HSBC pulls back in Australia
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 guests:
James Holmes, Chief product officer at Seccl
Benjamin David, Head of intelligence at The Payments Association
Dave Morris - CEO of FoundryOS
Stories/ timestamps:
1087. Insights: Can anyone fix homebuying?
Buying a home is one of the biggest financial decisions most people will ever make. Yet despite years of digital innovation, the experience remains fragmented, stressful and surprisingly analogue.
Host Benjamin Ensor is joined by a great panel to explore why homebuying still feels so broken, how technology and AI are reshaping the journey, and what it would take to build a truly customer-centred
1086. News: Wise tries again in the US, Western Union shuts its digital bank and Brazil reinvents BNPL
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:
Matthew Goldman - Founder and Managing Member at Totavi
Neira Jones - Advisor, keynote speaker and author
Bruno Diniz - Managing partner at Spiralem
Stories/ timestamps:
Wise to refile US trust ban
1085. Insights: Are Neobanks replacing private banking?
About this episode:
For years, neobanks competed by offering better banking experiences. Now, the biggest players are expanding into investing, AI-powered financial guidance, wealth management and premium services—areas once dominated by private banks.
In this episode, host Ross Gallagher is joined by Maia Bittner, Ayelen Denovitzer and Matthew Ford to explore whether neobanks are redefining w
1084. News: Ant's $1.2bn Raise, Teya Doubles Down on SMEs and Revolut Lands licence in Australia
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 guests:
Alessandra Giner - Chief Product Officer, Teya
Simone Joyce - Chief Executive Officer, Paypa Plane
Sophie Winwood - Co-Founder & CEO, unlock VC
Stories/timestamps:
Ant I
1083. Insights: Why does running a business still feels harder than it should? With Sage
About this episode:
In this episode, with partnership with Sage, we're exploring why running a business still feels harder than it should—and how embedded experiences are changing that. Host Kate Moody, Customer Strategy Director at 11:FS, is joined by Gordon Stuart, SVP of Embedded Services at Sage, Emma Campbell, Chief Banking Officer at @One.io, and Sarah Kocianski, fintech consultant and anal
1082. News: Stripe bids for PayPal, BNPL regulation kicks in, and Nubank secures a Mexican banking licence
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 guests:
Alex Marsh, CEO at Salad Group
Danielle Labarbera, VP of North America at Sumsub
Alberto Lazarov, Co-founder at Dalatea
Plus voice note from:
Tom Metcalfe, Director of
1081. Insights: The future of Robinhood. A conversation with UK President Jordan Sinclair
Come watch Fintech Insider live in London - 11fs.com/afterdark
About this episode
Robinhood has just unveiled one of the biggest product launches in its history, centred around a bold vision for Borderless Markets. From tokenised stocks and ETFs to Robinhood Chain and AI-powered investing, the company is betting that the future of finance will be tokenised, intelligent and increasingly autonomo
1080. News: Klarna applies for a US banking licence, LemFi buys Wealth8, and Santander open-sources AI
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:
Dave Morris - CEO of FoundryOS
Kaley Addo - Head of UK operations of Upvest
Jason Mikula - Publisher of Fintech Business Weekly
Plus voice note from:
Bernadette Smith - Chief Custo
1079. Insights: US firms leading the AI customer experience race
In this episode, we're exploring one of the biggest themes shaping financial services today: how US firms are leading the AI customer experience race.
Host Kate Moody, Customer Strategy Director at 11:FS, is joined by members of the 11:FS Pulse team: Joe Colchester, Head of Product, and Oliwia Wasik, Product Manager and Benchmark Lead.
Together, they unpack the latest AI experiences emerging fro
1078. News: FCA unveils crypto rules, Airwallex hits $11bn valuation, and Jet Bank launches Albania's first digital bank
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 guests:
Fatbardha Rino - CEO at Jet Bank
Veronica Glab - Strategic Partnerships Lead at Juice
Daniel Taylor - Head of Policy & Research at Zumo
Stories/timestamps:
The FCA u
1077. Insights: What does it take to build the bank of the future? With Engine by Starling
In this episode, we're exploring what it takes to build modern banking technology from the ground up. Host Ross Gallagher - Head of Consulting at 11:FS - joined by Sam Everington, CEO of Engine by Starling, and Jody Bhagat, President of North America at Engine by Starling. They discuss how banks can modernise legacy infrastructure, the role AI is playing in banking transformation, and what it tak
1076. News: US and UK push stablecoins, Flutterwave lands $3.2bn, and Green-Got makes Crowdcube history
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:
Valerie Kontor - Founder of Black in Fintech
Matt Cooper - Co-CEO of Crowdcube
Radi El Haj - CEO of RS2
Stories:
US and UK move from Stablecoin legislation to implementation - (
1075. Insights: What are the new rules of fintech marketing?
About this episode:
In this episode, we're diving into one of the biggest challenges facing fintech growth right now: standing out. From brand building and customer acquisition to AI-powered marketing and community-led growth, we unpack how fintechs are finding, engaging and retaining customers in an increasingly crowded market. Laura Watkins - Director of Media and Marketing at 11:FS - is join
1074. News: Nuvei splashes the cash on Payoneer, Current raises $80M to improve Americans' financial health
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.
Download Plaid's State of intelligent finance in the UK report
This week's guests:
Maia Bittner - Investment Manager at X Factor Ventures
Sam Maule - Head of Business Development at Moov
Liam Gray - H
1073. Insights: From stablecoins to AI agents - how Stripe is changing the internet economy
About this episode:
In this special episode of Fintech Insider Insights, recorded live at Stripe Tour London, we're joined by two Stripe leaders to explore how the internet economy is evolving - and the infrastructure powering its next chapter.
First, Benjamin Ensor sits down with Neetika Bansal, Head of Money Management and Crypto at Stripe, to discuss how businesses are rethinking treasury, l
1072. News: All about partnerships: Barclays x CommonAI, Monzo x Fair4All Finance, Stripe x Lloyds
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 guests:
Mei Lim, Group CFO and Managing Partner of Anthemis
Diana Kamil-Salmon, Associate Director at Fair4All Finance
Merusha Naidu - Global Head of Partnerships at Paymentology
Plus a voice note f
1071. Insights: Fintech's coming home - The growing relationship between fintech and football
About this episode:
What do Arsenal, Manchester United, Nottingham Forest and the Home Nations football teams have in common? They're all partnering with fintech brands.
In this episode of Fintech Insider Insights, Kate Moody is joined by leaders from Zilch, Sokin and JPMorgan to explore why fintech and football have become such a powerful combination. From sponsorships and fan experiences to g
1070. News: Enfuce report calls for more payment choice, Acquired backs UKPI, and TransferMate embraces stablecoins - Live from Money20/20 Europe
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:
Niklas Apellund, CTO and Co-Founder, Enfuce
Megan Caywood, Founder and CEO, Caywood
Eline Blomme, Chief Product and Strategy Officer, Acquired
Plus a voice note from:
Gary Conroy, Pre
1069. Insights: Can stablecoins escape the fintech bubble? - Live from Money 20/20 Europe
About this episode:
Are stablecoins actually breaking into the mainstream financial system - or are they still largely trapped inside the fintech bubble?
In this episode of Fintech Insider Insights, in partnership with Formance and live from Money 20/20 Europe, Ross Gallagher joined by Ayelen Denovitzer, Head of Operations of Formance, George Davis, founder and CEO of Lorum and Robin Anderson,
1068. News: Monzo drops millions on growth, Mastercard and QNB expand into Syria, and Legacy rethinks charitable giving
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 guests:
Herbie Wildwood - Founder, Legacy
Ozan Ozerk - Founder, OpenPayd
Sarah Kocianski - Fintech consultant and analyst
Stories/timestamps:
Intro - (00:01)
Monzo spends te
1067. Insights: Can regulation become fintech’s biggest enabler?
About this episode:
Is regulation really the thing slowing innovation down — or is the bigger challenge how firms respond to it?
In this episode of Fintech Insider Insights, Benjamin Ensor is joined by Colin Payne, Head of Innovation at the FCA, and Kate Moody, Customer Strategy Director at 11:FS, to explore how regulation, open finance, targeted support, and AI are reshaping the relationship bet
1066. News: OpenAI enters finance, Revolut pushes into wealth, and Primer raises $100m
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:
Hannah Duncan - Financial Journalist & Freelance Writer
Gabriel Le Roux - CEO, Primer
Michael Cullum - Chief Technology Officer, Bud
Plus a voice note from:
Kathleen McGuirk, Hea
1065. Insights: Is agentic AI the future of investing?
About this episode:
As AI moves from supporting investment decisions to making them, what happens to trust, accountability, and control?
In this episode of Fintech Insider Insights, Benjamin Ensor is joined by Jannick Malling, Co-founder & Co-CEO at Public.com, Megan Caywood, Founder & CEO at Caywood, and Peter Rossi, Technology & AI Advisor and Co-Founder of HubbleField, to unpack the rise of a
1064. News: Paymentology raises $175m, Alipay hands shopping to AI, and the FCA probes digital wallets
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 guests:
Jeff Parker - CEO at Paymentology
Monica Eaton - CEO at Chargebacks911
Fliss Berridge - Director of Blue Strawberry Thinking
Stories/timestamps:
Intro - (00:01)
Paymentol
1063. Insights: Can traditional banking survive the AI era?
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 Backbase, to explore why banking may be approaching a breaking point in its architecture.
As banks race to adopt AI, many are discovering that fragmented systems, siloed data, and di
1062. News: Targeted support lands, FIS and Anthropic team up to reshape banking, and Monzo expands to Spain
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 guests:
Rosie Lee - Senior Customer Strategist at 11:FS
John Reynolds - Fintech reporter at Tech.eu
Oban MacTavish - Co-Founder and CEO at Spade
Stories/timestamps:
Intro - (
1061. Insights: The advice gap: Are banks helping customers or protecting themselves?
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 financial institutions offer and what customers actually need.
As apps increasingly nudge behaviour and shape decisions, we ask whether guidance is really just advice with disclaim
1060. News: NatWest, HSBC & Lloyds face new rules, Adyen drops €750m and Revolut steps into the real world
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 guests:
Michèle Richner, CMO & Managing Partner, Tenity
Will Hay, Principal, Flagship Advisory Partners
James Callinan, Manager, Thistle Initiatives
Stories/timestamps:
Intro
1059. Insights: The payments boom connecting APAC and Latin America
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 joined by some great guests to explore why APAC merchants are expanding into LATAM, the $100bn cross-border opportunity, and why payments are critical to success.
We break down th
1058. News: Revolut’s $200bn ambition, TikTok’s creator card, and Lloyds digitises homebuying
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 guests:
Lesia Kupriienko - Industry Lead, Finance at AppsFlyer
Maria Harris - Chair, Open Property Data Association
Plus a voice note from:
Monique Biady, Head of Commercial
1057. Insights: From inertia to advocacy: Rethinking customer loyalty in fintech
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 to unpack the shifting nature of loyalty in a world where switching is easier than ever.
This week's guests:
Rosie Lee - Senior Customer Strategist at 11:FS
Jas Shah - Fintech Co
1056. News: AI is everywhere: FCA's open finance roadmap, Google’s Global AI, and the Lloyds' boardroom
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 guests:
Raman Korneu, CEO at myTU
Mei Lim, Group CFO and Managing Partner at Anthemis’
Alexander Berrai, Deputy CEO at emerchantpay
Plus a voice note from:
Colin Payne - Head
1055. Insights: What happens when embedded finance grows up? With Pleo and Mastercard
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 Flows, Europe at Mastercard) to explore the next phase of embedded finance — as it evolves from a handy feature into critical infrastructure.
Find out more about Pleo Embedded at htt
1054. News: Jamie Dimon raises the alarm, Barclays brings back branches, NatWest and Sainsbury's join forces
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 guests:
Oliver Smith - Head of content at Money 20/20 Europe
Sarah Kocianski - Fintech consultant and analyst
Chaimae Chouiekh - Business reporter at The Logic
Stories/timestamps:
1053. Insights: Agentic payments: Revolution or just better orchestration?
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 executing transactions to delegating intent. The panel dives into whether we are ready to let AI spend our money, who carries the risk when an agent makes a mistake, and how this "control
1052.News: AI agents are trading, Monzo is retreating, and Wise is coming for the banks
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:
Jannick Malling - Co-CEO and Co-Founder of Public
Fliss Berridge - Director of Blue Strawberry Thinking
Dave Morris - CEO of FoundryOS
Stories/timestamps:
Intro - (00:01)
Investo
1051. Insights: Money movement just became a competitive advantage
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 fragmented banking are reshaping corporate treasury - and why “intelligent money movement” could be a competitive advantage.
Find out more about Adyen at adyen.com
This week's guests:
1050.News: Starling launches UK’s first agentic AI banking, Paymentology’s WhatsApp neobank and Turkey SEPA expansion
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 guests:
David Sullivan - Data Director of Starling
Cem Güler, Head of PMO - DenizBank AG
Merusha Naidu - Global Head of Partnerships at Paymentology
Stories/timestamps:
Intro -
1049. Insights: Can you trade the future? The rise of prediction markets
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 Knibbs at WIRED to unpack the rise of platforms that let you “trade the future” - from elections to economic events.
Are these markets a powerful new forecasting tool - or just gam
1048. News - After Dark: Robinhood's family plan, Irish banks team up to take on fintechs, and did Year in Monzo go too far?
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 discuss some of the interesting fintech and financial services stories of the week. (Spoiler: We've selected some Irish-themed content specifically for St. Patrick's Day!)
Stories covered
1047. Insights: Can you launch a start-up in 2026? Live from J.P. Morgan Payments
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 2026?
With AI reshaping how companies are built, capital becoming more disciplined, and geopolitics influencing everything from regulation to expansion, the old startup playbook is be
1046. News: Revolut is a bank, Lloyds wants to be a fintech - we're just as confused as you
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 guests:
Dave Morris - CEO of FoundryOS
Veronica Glab - Strategic Partnerships Lead at Juice
Art Levy - Chief Business Officer at Brex
Stories/timestamps:
Intro - (00:01)Revo
1045. Insights: Has the banking battlefield evolved - and is Revolut built for it?
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 changed.
Ross Gallagher and David M. Brear (11:FS) are joined by Richard Davies (Allica Bank) and Sophie Guibaud (Building Alpha) to explore how the banking battlefield has evolved
1044. News: Revolut launches £65-a-month ultra-premium business card to take on American Express
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 March marked International Women’s Day, celebrating the social, political and economic achievements of women around the world. This year’s theme, “Give to Gain,” highlights the power
1043. Insights: Inside HSBC Innovation Banking UK’s future with CEO Emily Turner
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 future of fintech in the UK.
Emily brings deep experience from across banking and venture. Before stepping into the role in June 2025, she spent more than a decade at Citi where she lau
1042. News: Is Klarna a reality check for fintech IPO hopes?
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 of Product, 11:FS Pulse
Aditi Subbarao, Financial Services for Snowflake
Albert Malikov, Founder and CEO of Stacks
Stories/timestamps:
Intro - (00:01)
Stacks Raises $23 Million
1041. Insights: How to build a high-performing product team
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 product team?
Whether you’re building from scratch, levelling up an existing function, or trying to future-proof your product organisation, this episode is packed with practical in
1040. News: Is this a once in a generation opportunity to change up the UK payments system?
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:
Sophie Condie, CEO of Shieldpay
Samantha Emery, FS Executive and NED
Breno Oliveira, Chief Product Officer at payabl
Timestamps/stories:
Intro - (00:01)
Business le
1039. Insights: Stablecoins, clearing and the future of payments with Emma Hagan, UK CEO of ClearBank
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 infrastructure from the ground up.
What problem was ClearBank originally built to solve - and how does it fit into today’s increasingly complex financial ecosystem of banks, fintechs and pay
1038. News: What happens when the world's biggest YouTuber buys a fintech?
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:
Jessica Cath, Managing Partner at Thistle Initiatives
Andy Russell - CEO of Project Arnauld at 11:FS Holdings
Sam Maule - Head of Business Development at Moov
Timestamps/stories
1037. Insights: Shaping safe AI innovation - Live from the FCA’s Supercharged Sandbox Showcase
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 ecosystem to unpack the UK’s first AI-focused regulatory sandbox.
The FCA has long been a global pioneer in regulatory sandboxes - but why launch a dedicated AI Supercharged Sandbox n
