FinTech Insider by 11:FS

By 11:Media

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Description

Fintech Insider, hosted by David M. Brear, Jason Bates, Chris Skinner and Simon Taylor, is a tri-weekly podcast dedicated to all things fintech, banking and financial services. David, Jason, Simon and Chris are joined weekly by a range of fantastic guests discuss the latest news, developments, and trends within the industry. On Fintech Insider Insights, they speak to subject matter experts for deep dives on APIs, AI, digital banking, and all other areas disrupting our industry. FinTech Insider Interviews brings you one-on-one interviews with the thought leaders and innovators transforming financial services. Fintech Insider News show sees our hosts and guests try to make sense of the top stories from the industry in the last week Whether you're a fintech expert or you're just keen to know more, then this is the podcast for you! <img src="https://uploads.fireside.fm/images/0/02e00478-0ed8-4d67-9876-589c562c93e2/8Fh5XnYX.jpg" alt="Untitled">

Episode Date
Ep. 226. 11:FS Presents One Fintech Nation - Bursting the London Fintech Bubble
38:10
Today's insights show shines a light on the regional fintech spaces across the UK. Fantastic insights are given by fintech experts who are working successfully outside of London and making waves in the fintech space: Lisa Wood, CMO at Atom, the challenger bank based in Durham, in North East England Chris Sier, Fintech Envoy for the North of England James Varga, CEO and Co-founder of the ID Company, based in Edinburgh Richard Theo, CEO and Co-founder of Wealthify, based in Cardiff, and newly appointed Fintech Envoy for Wales Virraj Jatania, CEO and founder of Pockit Paul Rippon, Deputy CEO at Monzo We want to burst the London fintech bubble and talk about UK fintech successes across the whole country. We’re going to be taking a look at the under the radar success stories across the UK, particularly those outside of the behemoth of the London bubble. We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider on Twitter or Facebook. If you really loved it, please leave us a review, we love reading them! Special Guests: Chris Sier, Gregoire Michel, James Varga, Lisa Wood, Paul Rippon, Richard Theo, and Virraj Jatania.
Jun 15, 2018
Ep. 225. News: Live at Money 20/20 Europe
49:24
David Simon and Sam are live on the main stage at Money 20/20 covering the latest and greatest in news across the fintech world. Joined by those at the cutting edge of all things fintech, Leda Glyptis, Rob Frohwein, Anna Irrera and Peter Hazou. It's a different show from usual with our guests coming on in pairs. First up are Leda and Rob to share their views on what's going on in Europe. Kicking things off, European payments seemingly ground to a halt when Visa suffered a system failure over the past week. The panel have an interesting take on the issue, it is a payments conference after all. Next up, Kabbage competes with PayPal. Luckily we have the Kabbage CEO on-hand to give us some absolute insight into what's going on there. Finishing up this section, the panel discuss the (un)surprising revelation that Millennials trust tech companies over banks when it comes to personal data. Our two lovely guests have to leave us but we have two equally brilliant ones in the form of Sara and Jeff, ready to let us know their take on the latest blockchain news. It's been a weird one for blockchain with the world's largest shipping firm, Maersk, now tracking cargo using blockchain. Maersk is planning to use the technology to fight fraud and reduce paperwork. Binance are planning to create a $1BN investment fund, but with a dead ICO how did they manage to raise $7BN this year? Next up we have two of the finest fintech minds in the form of Anna Irrera and Peter Hazou to round up the last of the big news stories in fintech this week. Starling has flown the nest after receiving £80M in funding and splitting from Transferwise, the general thinking is the capital increase is to bid for a share of the Capability and Innovation fund set up by RBS following the banking crisis. Next the panel talk about customer service. Surveys show that UK digital challengers are beating high-street banks on customer satisfaction. Although apparently high-street banks are doing a few things better. We also take a look at Citi and just why they're crushing the competition in investment in US fintech. All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode and leave a review on iTunes. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Anna Irrera, Jeff Tijssen, Leda Glyptis, Peter Hazou, Rob Frohwein, and Sara Feenan.
Jun 11, 2018
Ep. 224. Insights: SMB Banking... Are you being (under)served?
30:22
Today's insights show lifts the lid on the pain of SMB Banking as Sarah Kocianski guides us through the three biggest SMB Banking pain points: opening an account, getting a loan, and making and receiving payments. Fantastic insights are given by small business owners and experts in this sector who give first hand accounts of their own frustrations: Paul Bulpitt - Head of Accounting at Xero and founder of Wow Company Sam Booth - CEO of Just After Midnight Oren Greenberg - Digital Marketing Manager at Kurve, There are approximately 5.7m SMBs in the UK right now, and they employ almost 16 million people. Together they turn over £1.8 trillion per year, which makes no small contribution to the UK economy and GDP. But why are they so badly served? Sarah endeavours to find out and to look towards the future of SMB Banking and what is going to improve. We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider on Twitter or Facebook. If you really loved it, please leave us a review, we love reading them! Special Guests: Oren Greenberg, Paul Bulpitt, and Sam Booth.
Jun 08, 2018
Bonus: World's First Smart Bank? Monzo Release IFTTT Integration
11:55
IFTTT (if this, then that) is the easy, free way to get your apps and devices working together. Now, Monzo have enabled IFTTT integration, David M Brear and Simon Vans-Colina discuss how this could be revolutionary for banking services! Special Guest: Simon Vans-Colina.
Jun 07, 2018
Ep. 223. News: More Popular than Beyoncé
49:44
First up with some breaking news: UK banks will be forced to develop develop alerts for customers who may be about to slip into the red as well as a range of prompts and PFM tools that make it easier to keep on top of finances following a review by the Financial Conduct Authority into the high-cost credit market. Find out out what the gang had to say about this crazy bit of news! How much will this impact bank revenue? Next up, we delve deep into GDPR….I mean not as deep as we did in episode 220, but you get the jist! It’s talk of the town, we had to cover it. After discussing some GDPR fails, we had a chat about Google and PayPal teaming up! From Payments to banking, have Square stumbled their way into the banking world? How have they done this by accident? Now iZettle were in the news a fair bit the last few weeks, but can Ayden do what they couldn’t? They plan to go public... Over to China, Ant financial have raised even more billions! Find out What the team think of this one! From raising money, to saving money- RoosterMoney, the pocket money and chore tracking app that specialise in pocket money analytics and financial education advice for parents, can reveal that kids have been saving an impressive 24.9% of their pocket money so far this year. Adult households are only managing to save 5.3% of their income. And I know they’re not quite kids, but apparently 1 in 6 millennials has £100,000 in savings! Insane! Finally, Busking goes digital as street musicians across London are going to accept payments via contactless cards, wearable technology, chip and pin as well as the traditional cash Subscribe so you never miss an episode and leave a review on iTunes. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Caroline Plumb, Kirsty Grant, Ryan Edwards-Pritchard, and Will Carmichael.
Jun 04, 2018
Ep. 222. Fintech Insider Insights: Gimme Some Credit
27:24
The opaque nature of the credit world is scary, some might say Orwellian, but mostly just really confusing. You have to hand over your data, which is subsequently regurgitated into a number...where that number comes from is seemingly unclear. We speak to industry experts about the current state of credit scoring, and also where it will potentially go in the future. What is being done to avoid a black mirror-esque dystopia? What companies are becoming first movers in this space, to create a more transparent business models that actually help people in their daily lives. We also heard from the general public on their experiences with the credit system and why they find it unfair. The impact credit scoring has on people's lives is extraordinary- yet we're only seeing these business models starting to surface. Some would say it's a been a long time coming... Subscribe so you never miss an episode and leave a review on iTunes. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders or drop us a line via email podcasts@11fs.com Special Guests: Aneesh Varma, Justin Basini, Ollie Judge, and Rishi Khosla.
Jun 01, 2018
Ep. 221. Fintech Insider: Live at TCF2018
39:48
In this very special episode, David, Simon and Sarah bring you dome fantastic guests and fantastic insights on the subject of truly digital banking recorded live Temenos' TCF2018 event in Dublin. Co-hosted by Temenos' own Dharmesh Mistry, the team were joined by an international rotation of guests including: Niall Cameron - Global Head of Corporate and Institutional Digital at HSBC Mr Ahmed Alrefaie, COO of AL MASRAF Andrew Clouston - COO, VOLT Dan Dickinson - Chief Digital Officer at Equitable Bank (EQ Bank) Fred Cook - CIO, BlueShore Financial Manoj Bhoswani - Managing Director, Head of APAC Private Banking Technology to take on three key topics: The State of Digital; Changing Business Models and Customer-Centric Engagement. Not only that but there was a return of the Fintech Wall of Emoji, updated to a new and improved digital model, keep listening to see where some key trends and topics were placed. Subscribe so you never miss an episode and leave a review on iTunes. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and send us an email podcasts@11fs.com Special Guests: Ahmed Alrefaie, Andrew Clouston, Dan Dickinson, Dharmesh Mistry, Fred Cook, Manoj Bhoswani, and Niall Cameron.
May 29, 2018
Ep. 220. Fintech Insider Insights: Dirty Data
40:25
Did you know that you have a digital twin? Someone is the data version of yourself that lives and breathes the internet. The problem, in this digital world, is that Digital You leaves a digital footprint everywhere you go. Everywhere... Every app and tab you open, every T-shirt you buy online, every social media account you create, all leave a trail of data behind you. Now you might not think this is important, but have you ever wondered how it's being used. Why are companies like Facebook and Google gathering data about Digital You? Why is it so profitable for them? And if there's so much value at stake....why are we not offered anything in return for it? This is where GDPR steps in. It's power to the people: digital-style. Your inbox may have been flooded by a mixture of panicky, scary and funny emails asking you to read through some updated T's &amp; C's for seemingly everything you've ever signed up to. They may reference something called GDPR, but what is this? How does it help us, the consumer, squeeze more value out of the apps and digital services we use? Ryan and Petrit take us on a data-filled journey, with a series of stories, as well insights from industry experts weaved in to make sure you don't get bored of their voices. Subscribe so you never miss an episode and leave a review on iTunes. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Frances Coyle, Jamie Smith, Jonathan Williams, Petrit Berisha, Ryan Garner, Simon Vans-Colina, and StJohn Deakins.
May 25, 2018
Ep. 219. Digital Asset Management
51:40
The first half of the show is dedicated to the Irish Funds London Alternative Investments Seminar where Pete sits down with Rupert Watson, the Head of Asset Allocation at Mercer, Emmett Kilduff, CEO and Founder of Eagle Alpha, and Breige Tinnelly, the Head of the UK business for AQMetrics. Next up is the panel at Calastone Connect London Forum, talking to Nigel Walsh, Partner at Deloitte as well as host of the InsurTech Insider podcast, Campbell Brierley, the Chief Innovation Officer at Calastone and Phil Clarke, Founder Partner at Hunch. All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode and leave a review on iTunes. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Breige Tinnelly, Campbell Brierley, Emmett Kilduff, Nigel Walsh, Pete Townsend, Philip Clarke, and Rupert Watson.
May 23, 2018
Ep. 218. News: From Loot To Hoot
1:03:49
Laura Sarah and David sit down with Charlie Wood, Principal Consultant at Capco, and Simon Vans-Colina, Engineer at Monzo. Laura takes the panel through the latest interesting and in one case, bizarre, stories coming out from the fintech space. Including: Robinhood hits a bullseye, Monzo blocks gambling, and are Irish spies affecting mortgage brokers? All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode and leave a review on iTunes. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Charlie Wood and Simon Vans-Colina.
May 21, 2018
Ep. 217. Interview: Frederic Nze, Oakam
33:21
Sarah meets with Frederic Nze, CEO of Oakam, to discuss financial exclusion, doorstep lending, and the size of an almost hidden customerbase. We hope you enjoy the show! Don't forget to subscribe so you never miss an episode and if you really love us please leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guest: Frederic Nze.
May 18, 2018
Ep. 216. Interview: Alison Rose, CEO, Commercial and Private Banking RBS
23:26
David chats to Alison Rose, CEO, Commercial and Private Banking RBS at their offices in London. She tells us all about her background, how she got into financial servi es, why she stayed in banking for 25 years and how the industry is always changing and challenging her. She talks about the positives of disruption and how much there is to learn; why humility is important; and how best to help customers through the changes facing them. They also spoke about being a woman in the industry, how she is a role model and a pioneering woman in banking at the peak of her career - how does she do it? Why is it important to have female role models in this industry, how important it is to her to be seen as a good female role model; how she achieves a good work/life balance as a working mum, and why it's so important but also so hard to address the gender imbalance in the industry and how, in her view, it needs to be addressed at all levels, not just the top. We hope you enjoy the show! Don't forget to subscribe so you never miss an episode and if you really love us please leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guest: Alison Rose.
May 16, 2018
Ep. 215. News: Insta-Pay
40:35
Sarah and Ross sit down with Daniel Hegarty, CEO and Co-Founder of Habito, and Nina Mohanty, Business Development at Bud. Sarah takes the panel through the latest interesting and divisive issues happening in the fintech space at the moment, including: Instagram's one stop shop, Microsoft's invoice innovation, and Google's uncanny AI. All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode and leave a review on iTunes. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Daniel Hegarty and Nina Mohanty.
May 14, 2018
Ep. 214. Interviews: Andy Maguire, Group COO, HSBC
44:38
David meets with Group COO of HSBC, Andy Maguire to discuss: how digital banking is transforming the industry, HSBC's approach to innovation and fintechs, and how HSBC is reacting to blockchain. We hope you enjoy the show! Don't forget to subscribe so you never miss an episode and if you really love us please leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guest: Andy Maguire.
May 11, 2018
Ep. 213. Interviews: Jeff Nicholson & Patrick Givens, VaynerMedia
42:16
In back to back interviews, David first meets with the CMO of VaynerMedia, Jeff Nicholson to discuss how VaynerMedia's different marketing style, how to measure brand impact, and his unique journey to the height of the brand. Simon then sits down with Head of VaynerSmart Patrick Givens to talk about voice marketing, marketing on the Internet of Things, and the future of audio. We hope you enjoy the show! Don't forget to subscribe so you never miss an episode and if you really love us please leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guests: Jeff Nicholson and Patrick Givens.
May 09, 2018
Ep. 212. News: Debutantes and Diversity
53:52
Ross and Sarah sit down with Sameer Gulati, Head of Policy and Regulation at Innovate Finance, Kathryn Harris, Innovation Lead at Lloyds, and James Hurley, Enterprise Editor at The Times. Ross takes the panel through the latest weird and wonderful stories from the fintech world, including: the number of fintechs set to double by 2030, Monese reach the Holy Grail of finance, and Australia's data falls off the back of a truck. All this and so much more on today's episode of Fintech Inisider! Subscribe so you never miss an episode and leave a review on iTunes. Share the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: James Hurley, Kathryn Harris, and Sameer Gulati.
May 07, 2018
Ep. 211. Interview: Suresh Vaghjiani, MD Global Processing Services
25:51
Simon discusses the card outages in detail with Suresh Vaghjiani, including: what happened, how it was fixed, and what GPS have done to prevent it from ever happening again. Special Guest: Suresh Vaghjiani.
May 04, 2018
Ep. 210. News: Underserved and Overcharged
1:06:29
Simon and Ross sit down with Carrie Osman, CEO and founder of Cruxy, Ali Paterson, Editor of Fintech Finance, Amelie Arras, Marketing Director of Adastra Marketing, and Veronique Constans, Programme Manager at 11:FS. Ross takes the panel through the latest interesting and amusing stories from the fintech world, including: Global fintech funding hitting a record high, Revolut's unicorn valuation, Amazon's foray into blockchain and Cryptocurrency means funeral finance? All this and so much more on this episode of Fintech Inisider! Subscribe so you never miss an episode and leave a review on iTunes. Share the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Ali Paterson, Amélie Arras, Carrie Osman, and Veronique Constans.
Apr 30, 2018
Ep. 209. Interviews: Deputy Mayor of London Rajesh Agrawal
25:02
David met with the Deputy Mayor of London, Rajesh Agrawal to talk about how Brexit is set to affect the city, how to encourage entrepreneurship, and how the gender diversity needs to be encouraged to get all we can out of the talent pool. Special Guest: Rajesh Agrawal.
Apr 27, 2018
Ep. 208. CEO Interviews: Luke Johnson, Neat Capital & Mutaz Qubbaj Squirrel
42:38
Simon asks Luke about the state of the US housing market today and how fintech is enabling 20 minute mortgage applications. Neat Capital also boasts the ability to bid offer and close on a home in two weeks. Then Simon met with Mutaz to discuss budgeting and saving in the digital economy and how to help customers from overspending. Go to survey.11fs.com (https://docs.google.com/forms/d/e/1FAIpQLScDC9WxbcyInqZKccCS6opwnjeN_be3AJ76uUazQ8xMM6MK_Q/viewform) to share your views. We hope you enjoy the show! Don't forget to subscribe so you never miss an episode and if you really love us please leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guests: Luke Johnson and Mutaz Qubbaj.
Apr 25, 2018
Ep. 207. News: Instant Gratification
56:06
David and Sarah sit down with Lucy Woolfenden, Marketing Director at Yolt, Pol Navarro, Digital Innovation Director and Sarah meets with Alex Park, Digital Director at Metro Bank. Sarah takes the panel through the latest interesting and amusing stories from the fintech world, including Ant Financial’s $150 billion valuation, Revolut launching Vaults, and The One Where Ross Got Mistaken for a Banker. All this and so much more on this Monday episode of Fintech Insider! Go to survey.11fs.com (https://docs.google.com/forms/d/e/1FAIpQLScDC9WxbcyInqZKccCS6opwnjeN_be3AJ76uUazQ8xMM6MK_Q/viewform) to share your views. Subscribe so you never miss an episode and leave a review on iTunes. Share the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Alex Park, Lucy Woolfenden, and Pol Navarro.
Apr 23, 2018
Ep. 206. Fintech Insider: After Dark V - Part 2 San Francisco - Facebook Trust & Silicon Stereotypes
58:27
Sam and Doug sit down with Mike Sigal, VC at 500 Startups, Lisa Gansky, VC at Mosaic, Brit Morin, Founder and CEO of Brit + Co, Mark Jamison, Head of Innovation and Design at Visa, Kate Adamson, Head of Mortgage at Plaid, Tony Morosini, VP Banking at Sofi and Anatoly Kvitnitsky, Head of Growth at Trulioo. Sam takes the panel through the latest and greatest in news stories getting key insights into what's happening and what matters most. Including Mark Zuckerberg's appearance before Congress, Why nobody trusts Facebook, if equal pay is getting any closer and why Silicon Valley Stereotypes are just plain wrong. Guaranteed Fake News free and to teach you at least one thing you didn't already know! Subscribe so you never miss an episode, show us some love and leave a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Anatoly Kvitnitsky, Brit Morin, Doug Bobenhouse, Kate Adamson, Lisa Gansky, Mark Jamison, Mike Sigal, and Tony Morosini.
Apr 20, 2018
Ep. 205. Fintech in a Flat 3: Bit Conneeeect!!
58:46
Sam starts the show by butchering the names of old friends, talking about the San Francisco housing crisis and if Frisco is a cool name for the city. The panel moves on to podcasts, pitches, the importance of story telling when it comes to brand, and how podcasts can change the world. After the break the panel discusses how to understand the way money works and how decentralised ledgers might have a much bigger impact in other parts of the world. All this and much much more on this episode of Fintech in a Flat. We hope you enjoyed the show! Subscribe so you never miss an episode, and if you want to show us some love then please leave a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Betsy McCormick, Jason Zaler, Michael Casey, Ollie Judge, and Sheel Mohnot.
Apr 18, 2018
Ep. 204. Fintech in a Flat 2
52:08
Sam and the panel discuss the very latest in fintech news. Kicking things off with the Facebook Cambridge Analytica scandal, Mark Zuckerberg's appearance before Congress, and that grown men need to stop being juvenilised. After a few bowls of home-cooked chilli the panel get back to the mics to talk about Equal Pay Day and how companies are trying to empower people to ask for the money they deserve. Diversity issues are discussed by Founders who come from various backgrounds who share what it's like starting up in the industry. We hope you enjoyed the show! Subscribe so you never miss an episode, and if you want to show us some love then please leave a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Dan Macklin, Divine, John Waupsh, and Yuliya Tarasava.
Apr 17, 2018
Ep. 203. Fintech Insider After Dark V - Part 1 London - Partying & PayPal
49:47
Our After Dark shows are always exciting and this one’s no different. In front of an amazing audience the panel kicks things off with Paypal’s new movements. M-Pesa wallet goes online thanks to a collaboration between Paypal and Safaricom. Meanwhile over in the USA, Paypal is making moves towards more traditional banking in a bid to connect those without bank accounts to the digital economy. Young coders might be avoiding London over Brexit fears. But is Brexit a real problem for the fintech space and are coders leaving or is the talent rush just slowing down? Andy Murray lobs over an interesting bit of fintech news by betting that British Fintech is going to a smash hit. But how big is he betting? Accenture released their wealth management report on the next era, focusing on Millennials. Despite all the good stats on what Millenials want, can a one-size-fits-all digital experience ever work? Amazon targets teens, the online bookshop-turned-retail-monolith wants to get to teenagers before the banks are able to. It’s a common tactic used to establish brand loyalty while consumers are young. Sweden turns against cashlessness amid fears it puts us at risk of attack, with 70% of Swedes wanting to retain some use of cash. But 40% of Britons say they can see themselves going completely cashless in the future. So why is there such a split? Square’s Cash App arrives in the UK, it’s a potential competitor to Venmo, but can it survive in the UK amongst platforms like Starling and Monzo? Rounding out the stories tonight, it turns out that the wild entrepreneur John McAfee is charging $105,000 per tweet promoting digital coins and Initial Coin Offerings. Yet another dodgy story on the man who had a very suspicious time in Belize with murdered neighbours and suspected drug dealers. His life is a movie deal waiting to happen. We hope you enjoyed the show! Subscribe so you never miss an episode, and if you want to show us some love then please leave a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Definitely tweet us if you were at After Dark live with us! We always love hearing from you all. Special Guests: Liz Lumley, Megan Caywood, and Richard Davies.
Apr 16, 2018
Ep. 202 Interview: Ross Dalzell
21:34
We ask Ross about his love for SMEs and how the traditionally underserved market will benefit from the new open banking regulations as well as how critical SMEs will be for fintechs. We get an insight into what Barclays is doing to integrate fintech and making sure that they continue to serve SMEs. Ross also tells us about the wider implications of open banking, what fintechs should be aiming for when pitching to clients, and how banks can partner with agile services in the open banking world. Ross shares his views on the techwave set to hit all industries, how that’s going to impact the role of banks and how they can advise SMEs to adapt to new changes in order to perform in their sector. Cyber-fraudsters have a new target in busy SME owners, Ross explains how banks need to educate themselves and customers to protect them from becoming victims. All this and much more in this episode of Fintech Insider. We hope you enjoyed the show! Tap subscribe so you never miss an episode, and if you want to show us some love then please leave a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guest: Ross Dalzell.
Apr 13, 2018
Bonus: Interview with Richard Davies TSB Design Competition
17:05
Ross and Richard discuss the upcoming design competition, how TSB aims to utilise innovative design in a wider business banking context and of course all the rules. TSB is looking to champion SMEs and tackle their problems, thrive and be more productive without having to weighed down by banking admin. Richard Davies tells us what he wants the competition to achieve and how being the first high street bank with a modern banking platform will give TSB an advantage Universities, students, and fintech freelancers are the main audience for the competition. Everyone else would probably be breaking the terms of their contract. TSB want applicants to figure out how to transform banks physical reach and capabilities for helping local business to right across the UK. We learn about the O2O hybrid, fusing the digital and real worlds together, that TSB is moving forward with, and how they’ve been inspired by Alipay’s take on it. The competition is also looking for fresh thinking without any preconceived notions of what banking is, it’s about leading a generation. TSB is working with 11:FS and 12 universities on the competition. The prizes are pretty exciting. £9000 has been set aside in total, 2 x £3000 and 3 x £1000 paid out by TSB directly to the winners. We hope you enjoyed this bonus show! Subscribe so you never miss an episode, and you know you want to show us some love so please leave a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guest: Richard Davies.
Apr 12, 2018
Ep. 201 Insights Live: Breaking into Fintech
39:59
Jeff Tijssen, 11:FS Head of Consulting, Sophie Winwood, Head of Partnerships at Innovate Finance, and Valentina Kristensen Head of PR and Marketing at Oak North all speak with Ross Gallagher on the skills you need to make it in the fintech world. Getting things started we’re talking about what backgrounds are best to break into fintech and where all our panel came from to get to where they are now. We explore what the fintech industry is looking for in applicants and who it’s trying to attract. Which matters most, the finance or the technology? And where does the customer fit into it? We also look at where the principles of Fintech and traditional finance converge and separate. Something definitely worth considering for those difficult to answer interview questions. The panel discuss where new technology is disrupting the traditional financial model and whether you really need a background in financial services to break into the fintech world. To round things off we look at where younger people need to go, who they need to be talking to and what questions they need to be asking to become the next generation of fintech talent. We hope you enjoyed the show! Subscribe so you never miss an episode, and if you want to show us some love then please leave a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guests: Jeff Tijssen, Sophie Winwood, and Valentina Kristensen.
Apr 11, 2018
Ep. 200. 11:FS Turns TWO! Company culture, consultancy, and cupcakes
59:05
In our birthday episode we take you on a lookback from the entire 11:FS team over the last couple of years. Including the highlights and challenges of taking on clients, applying for projects with banks and everything we do besides make podcasts. Our founders share why the company got together, where they saw a gap in the market and how they made the leap to take it on. Fintechs of the future have to do things in a slightly different way today to stand out from the major consultancies. Growth is the keyword for most banks these days across the world. Can fintechs deliver that level of growth needed or are banks going to be forced to keep repeating the cycles pre-2008? We also take you under the hood of 11:FS Pulse 2, set to launch at the end of the month, and why even with a small team it’s possible for fintechs to deliver next-gen services. Simon shares a few of his favourite rumours about what we do for big banks, but Jason brings it back to what we’ve actually done and what banks actually need in the new era. Doing something new from a business standpoint in an intelligent way. Sophie shares the challenges of actually growing a startup in a smart and sustainable way from an employee numbers standpoint. When word gets out applications shoot up and how finding the right match between roles, people, and the company itself is an art. David and Jason share a few of their core beliefs on making a startup grow properly, how pyramid growth is outdated in an agile market. Even with three distinct business faces, media, consulting and research, 11:FS is, at its heart, only one team. It’s vital to startups for all their teams to adapt and work together. Diversity of thought is a driving factor behind 11:FS growth, Sophie explains why diversity isn’t just about gender but finding people who can blend together different ideas and use them to drive forward the company's goals. Storytelling is a huge part of what we do, Ollie and Laura give their feedback on why 11:FS media has been so successful. Podcasts like this, speaking events, providing narratives with the real facts and the real reasons behind stories instead of focusing on soundbites are all just one part of why. Transparency at all levels only ever helps. Conflict works in a startup, rather than sticking to a company line, Simon shares how it’s proven to be a big help to 11:FS to have disagreements. So long as the entire team is driving towards the same goal having a discussion only helps to achieve that. All this and more on this week’s special Fintech Insider. Of course none of this would be possible without you our listeners and so we want to say thank you for all your support so far and we're looking forward to delivering even better content in the future. Thank you for listening! You can find us on Twitter @FintechInsiders or @11FSTeam or find us on Facebook, YouTube and Instagram or drop us a line podcasts@11fs.com Don’t forget to subscribe to the show so you never miss an episode, and if you really love us, leave us a review on iTunes. Special Guests: Jeff Tijssen, Ollie Judge, Ross Methven, and Sophie Theen.
Apr 09, 2018
Ep. 199. Insights: HL Techover
1:04:05
In this very special takeover episode we uncover exactly who Hargreaves Lansdown are, directly from their new tech centre in Warsaw and why a company like theirs needs to be on the cutting edge. Creating a tech platform and digital focused business has become a key part of their business. We discuss the importance of constant innovation and technology in the industry and how it helps them stand out from the crowd. Hargreaves Lansdown share how they’re making waves in the fintech space outside of the London fintech bubble in the UK and abroad. The digital age doesn’t mean the end of analogue, HL discusses why they still see value in an analogue safety net that puts the client first. Website and mobile functionality have changed, new tech and new feedback has meant that firms have to adapt how they deliver experiences across devices, HL share how they’ve done it. Mobile users suffer from a lack of understanding from companies, the panel discuss how knowing their audience has been key to their growth and how all their tech is routed in essential customer needs. Word of mouth is still a key driver in growth, the panel discuss how much of an impact it has on their business and that the relationship they build with their clients from that is their most valuable asset. We talk about all this any much more on this Friday’s episode of Fintech Insider. Thank you for listening! You can find us on Twitter @FintechInsiders or @11FSTeam or find us on Facebook, YouTube and Instagram or drop us a line podcasts@11fs.com Don’t forget to subscribe to the show so you never miss an episode, and if you really love us, leave us a review on iTunes. Special Guests: Chris Hill, Chris Worle, David Davies, Michal Glowinski, and Pete Townsend.
Apr 06, 2018
Ep. 198. Insights: HMT's International Fintech Conference
48:30
We’re at the IFTC held at London’s Tobacco Dock where Simon is meeting some of the fintech envoys outlined in the Chancellor’s keynote address and getting some insights into how the new fintech strategy will play out. David Duffy explains the excitement behind the fintech bridges and the challenges ahead for fintechs and banks working together. Eileen Burbidge shares key insight on the state of the fintech landscape today, how the UK leads the industry, how fintechs need to adapt in the face of GDPR and the power of transparency. Al Lukies gives us some more information on the fintech bridges and how the Australian bridge will be stronger than the Singapore, Hong Kong, South Korea and China bridges. Collaboration is at the heart of the bridge but it’s at the first step of a long journey. Nikhil Rahti comments from his unique position on fintechs gradual change from the B2C market to financial markets. How new tech is improving sectors the world over and just why open access distributed ledger technology might speed transactions up to transform the global financial market. Adrienne Harris gives her global perspective on fintechs growth, where its future challenges lie, how the UK and US can learn from each other, and the importance of efficient regulation. Imran Gulamhuseinwala tells Simon about the Open Banking implementation and ensuring that the 9 largest banks in the UK implement it properly. He also explains that Open Banking will have a few more iterations before it’s complete and what the next few phases will be. We hope you enjoyed the show! Don’t forget to subscribe so you never miss an episode, and if you really love the show please leave us a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guests: Adrienne Harris, Alastair Lukies, David Duffy, Eileen Burbidge, Imran Gulamhuseinwala, John Glen, and Nikhil Rathi.
Apr 04, 2018
Ep. 197. News: Clickbait
59:13
Laura and David take a look at the last week’s biggest stories, alongside Jeff Tijssen, Monzo’s Leah Templeman and Bud’s Ed Masleveckas. Kicking off with a few announcements from some big banks - Deutsche Bank claims the bank account could be a thing of the past in less than 20 years time, which sounds contravertial but in the same speech it appears he’s only just realised banking is ready for disruption. In a similar vein, Citigroup annouce their big banking comeback… with a mobile app. Moving onto the UK banking and fintech scene, TSB have announced the arrival of their marketplace - making them the first of the high street banks to offer such a thing. Ross Gallagher caught up with TSB’s Commercial Director, Richard Davies to find out more. Next up, Leah talks us through Monzo’s integration of Yolt and also helps us dissect Monzo’s diversity report - David is most impressed with their “sexy” graphs. We also talk about Revolut’s virtual disposable cards - and the sheer rate at which Revolut are rolling out new products and services. Laura caught up with Vlad Yatsenko, Revolut’s CTO to find out more about the use case behind the virtual cards and how it helps prevent card fraud in ecommerce. The second half kicks off with two international money transfer stories as Santander team up with Ripple to speed up cross border payments to under 24hours - but they might have been pipped to the post by new BBVA-backed start up, Denizen who claims it has created a “global banking platform” that allows customers to receive money in one country and pay it out in another immediately, avoiding international transfer fees and eliminating currency exchange fees. Rounding out the show with millennials, coffee and cake as Amex acquire UK fintech Cake while Square is encouraging millennials to buy more coffee with their Square Cash cards for discounts… and the chatbot Plum is offering more ethical investment services to its mainly millennial user base. And finally a man beats up a cash machine in Australia and the footage makes the Daily Mail! We hope you enjoyed the show and had an eggs-cellent Easter weekend! Don’t forget to subscribe so you never miss an episode, and if you really love the show please leave us a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guests: Ed Maslaveckas, Jeff Tijssen, Leah Templeman, Richard Davies, and Vlad Yatsenko.
Apr 02, 2018
Ep. 196. Insights: Wealth Tech 2018
57:07
Simon has an insightful interview with Blackrock and iShares' Stephen Cohen on the future of wealth finance and tech. We also have a roundtable panel going through the latest jargon, demystifying the ARs from the VRs and explaining why the two are so often confused. Troubles with AI and machine learning and how they apply to the industry? Another two things that sound so similar, those at the cutting edge will take you through it step by step. Fintech is a fast paced world with constantly evolving buzzwords and acronyms. It’s forgivable to let a few things slide, our guests use real world examples to show you how important these new techs are and how they can improve your business. Our roundtable brings you: Rebecca Skiles, Managing Director, Accenture Digital, Olivia Vinden - Tech/Blockchain specialist for Asset and Wealth Management, Alpha Nick Burns, Chairman, EngageWorks And to cap things off we have another interview, this time with Eileen Burbidge, Partner at Passional Capital, on the major trends of the moment and where wealth sits within that. All this and more in this week's show! Don't forget to subscribe so you never miss an episode and if you want to show us some love leave a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guests: Eileen Burbidge, Nick Burns, Olivia Vinden, Rebecca Skiles, and Stephen Cohen.
Mar 30, 2018
Ep. 195. Interviews, IFGS 2018: Alipay, Onfido, InvestHK and More
51:29
In a series of one to one interviews from Innovate Finance Global Summit 2018, Ross Gallagher and Simon Taylor explore the ins and outs of some great fintechs with some exciting movements in the UK, Hong Kong, China, and the EMEA. Including: Benedetta Arese Lucini, Co-founder, Oval Money Charles d’Haussy, Head of Fintech, InvestHK Thomas Eyre, CEO and Co-founder LOQBOX Li Wang, Head of EMEA, Alipay James Mackonochie, COO and Co-founder, Pia Marieke Flament, Managing Director for Europe, Circle Sophie Winwood, Head of Partnerships, Innovate Finance Stephen Ingledew, CEO, Fintech Scotland Husayn Kassai, CEO and Co-founder, Onfido These fintech superstars give us the scoop on where they’ve been, what they’re doing, and where they’re going over the next year. We hope you enjoy the show! Don't forget to subscribe so you never miss an episode and if you really love us please leave us a review on iTunes! Let us know your thoughts @FintechInsiders or email podcasts@11fs.com. Special Guests: Benedetta Arese Lucini, Charles d'Haussy, Husayn Kassai, James Mackonochie, Li Wang, Marieke Flament, Sophie Winwood, Stephen Ingledew, and Tom Eyre.
Mar 28, 2018
Ep. 194. News: Peter the Leopard
1:09:17
Rainmaking Colab MD Helene Panzarino, journalist/guru Monty Munford and 11FS’ own Ryan Garner speak with Ross and Simon to go through this week’s top stories in UK fintech and banking around the world. We head up the show with a bevy of Fintech stories, starting off with Philip Hammond’s strategy announced at the International Fintech Conference, covering robo-regulations, a new fintech taskforce led by the Treasury, and fintech bridges. We move on to the rest of the week’s fintech news, including Tide’s claim that they’re the fastest business loan service in the world. Pockit Loqbox has a mission to help the UK’s unbanked improve their credit score, Oak North breaks new ground by becoming the first UK fintech to report an annual profit, and we’ve got an illuminating interview with Valentina Kristensen, Director of Growth and Communications at Oak North. Yolt connect to 6 major banks...or is that 4? N26 expand across the pond and Monzo have reached a landmark number of customers. In the second half of the show we delve into Virgin Money and Standard Life’s new deal on asset management, Michael Sheen’s transformation into a fintech vigilante, and why Whatsapp is shifting to payment services in India. Uber pulls its driverless car scheme following a fatal crash in Arizona, the second accident the company’s had with its driverless cars. Religious updates in the fintech sector with the Church of England now taking contactless payments alongside the collection plate powered by iZettle and SumUp. Finally, Rooster Money has partnered with JustGiving to make it easier for children to donate money to a charity of their choice. All this and more in this week's news show! We hope you enjoy the show! Don't forget to subscribe so you never miss an episode and if you really love us please leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guests: Helene Panzarino , Monty Munford, Ryan Garner, and Valentina Kristensen.
Mar 26, 2018
Ep. 193. Interview: Chris Skinner, Author - Digital Human
30:20
Chris Skinner has a blog many of you are sure to know at www.thefinanser.com, it’s packed full of great insights into the financial world. He’s also 11FS’ very own advisor to special projects. Chris is Chair of the European networking forum: the Financial Services Club. He is on the Advisory Boards of many companies including Innovate Finance, Moven and Meniga. The big topic of his upcoming new book is Humanity’s Fourth Revolution and the next generation of finance. How it’s happening right now and soon 4.5 billion more people will be able to access banking services. Digital Humans exist on a Connected Planet, they discuss how those who pay the most to move money often have the least and how this is changing through connectivity. Star Wars vs Star Trek. In an unusual turn for Fintech Insider Chris and David discuss which one's more likely in the future, with a financial twist of course. What are Western companies missing out on and what can they learn from the East and the developing world on financial inclusion and accessibility? They take a close look at Ant Financial, their leap forward to fifth generation architecture and why regenerating every few years works. Are Fintechs just making faster horses? Does it work and should companies be creating something new? We hope you enjoy the show! Don't forget to subscribe so you never miss an episode and if you really love us please leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guest: Chris Skinner.
Mar 23, 2018
Ep. 192. News: Everyone and their grandmother is buying into it
1:07:20
Cruxy&amp;Co's Alexandra Cheung and Capco's Charlie Wood joined David, Jason and Ross to go through this week's top stories in UK fintech and banking and around the world. We kick off with a slew of UK fintech stories, including Starling's launch of cross border payments, and also highlighting their research into "everyday sexism" into financial services marketing which was picked up by the mainstream media. Are we blind to everyday sexism? David says yes, Alexandra says no. We move on to a report by the inimitable Sarah Kocianski on the state of neo banks and how fintechs might have to try harder than before to keep their customers happy. Next up they discuss HSBC's proposed app to take advantage of Open Banking, and Tandem's purchase of Pariti. In the second half of the show we talk tech giants, as Google claim they want to be bank's friends not their rivals .- but do our panel believe them? - Google ban of crypto ads, Square's monumental share increase possibly as a result of embracing bitcoin, Amazon's e-commerce debit in Mexico to encourage shoppers without debit cards to use their services and Tim Berners-Lee's condemnation of the tech giants as exploiting people's data. And finally - in an incredible marketing move, Standard Chartered hires Ivory Coast mega star Didier Drogba as their first customer for their Ivory Coast online bank. All this and more in this week's news show! We hope you enjoy the show! Don't forget to subscribe so you never miss an episode and if you really love us please leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guests: Alexandra Cheung and Charlie Wood.
Mar 19, 2018
Ep.191. Interview: Aneesh Varma, CEO - Aire
27:27
Aneesh founded Aire in January 2014, inspired by his inability to access credit as a migrant in London. Aneesh has a background in risk (Morgan Stanley), analytics (Credit Suisse) and M&amp;A (J.P. Morgan). In 2008, Aneesh founded FabriQate, a mobile customer experience engine helping clients to predict user behaviour. Aire are researching and building a new credit algorithm that helps customers to access an alternative credit score. The app tackles financial inclusion by aiming to provide credit access for customers who are unable to build a credit score. Simon asked Aneesh how their credit model uses alternative data and what their sources are. They also discussed their ambitious long term strategy - to change the way we look at credit and ensure everyone has appropriate access to credit - but how do they go about achieving such a huge aim? Aneesh also talks us through some of their research projects and collaborations. The big topic is also financial inclusion and Aneesh tells us why that's so close to his heart and what other social issues technology will affect in the coming months and years. We hope you enjoy the show! Don't forget to subscribe so you never miss an episode and if you really love us please leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News.
Mar 16, 2018
Ep. 190. News: Imagine if the Kardashians could code
56:42
Kicking off with the biggest news, we talked about the gender pay gap, who has 'fessed up and who hasn't, why the disparity in earnings is no great surprise, and what can be done to improve diversity in all its forms across the industry. We also discuss why women are put off tech careers before they even leave school (and why Reddit isn't the most scientific way to collect data), why female tech role models are desperately needed, why enthusiasm for app-only banks is on the wane, Monzo's marketplace launch in beta, and what Atom will do with their latest round of funding. Next up are the two biggest Amazon stories of the week - their proposed plans for a checking account product with either JPMorgan or CapitalOne and Jeff Bezos' refusal to lose India, having conceded China to Alibaba. We also have a mini section on corporate social responsibility as Nuns (and other trading bodies) call out unethical practices at WellsFargo, and Kabbage take a strong stand in the light of the tragiv Parkland shootings. And finally, in the sillier part of the show we take a look at Xinja's glow in the dark payment cards, and Donorfy's GDFR playlist - is it (in REM's words) The End of the World As We Know It? We hope you enjoy the show! Don't forget to subscribe so you never miss an episode and if you really love us please leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guests: Caroline Plumb, Laurel Wolfe, Sarah Kocianski, and Veronique Constans.
Mar 12, 2018
Ep. 189. Insights: Women in Fintech
1:03:17
First up, Laura talked to Rachel Kent about her background and how she's got the position she's in. How has she overcome any restricting factors in a typically male dominated industry? Why is it so important to highlight the contributions for women in this industry? What's the future for women in this industry? Next up, Wendy Jephson joins to talk through what makes Sybenetix so special and why she decided to create this company. What gap did she look to fill in the market? We also talked through Wendy's past, particularly her background in law and psychology, more specifically how this breadth has helped her in this industry. Sophie Bialaszewski was next to give the lowdown on her career! We talk through how she broke into finance and how people actually innovate. How hard is it to instil a culture which promotes innovation? Min Teo was next up to reveal all to Laura, going through the ins and outs of the fascinating business that is 'Yo-yo wallet'. What's the future like for women in Fintech? Last but not least, Adizah Tejani talks through her background and how she got involved with Token. What does the future of Fintech look like and how did you market Token? We hope you enjoy the show and don't forget to leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guests: Adizah Tejani, Min Teo, Rachel Kent, Sophie Bialaszewski, and Wendy Jephson.
Mar 09, 2018
Ep.188. News: Pump that Money
57:06
With Ross Gallagher in the host's seat for the very first time, he led co-host Simon Taylor, Nina Mohanty, Doug Bobenhouse and Valentina Kristensen to take a look at the week's top stories. We kicked off with news that research from Cedr and Trustpilot discovered a way for open banking to pump £1bn into the UK economy. This is obviously great news but is dependent on customers fully adopting the opportunities Open Banking offers and begin sharing their data. The next three stories surround digital banking and new propositions as Lloyds announce plans for a £3bn digital transformation of their services over 3 years (not so long after their last 3 year transformation plan). Hot on their heels is Virgin Money's less pricey but not insignificant £38.3 million investment in a digital bank, which is disparaged by our team as being "just an app" (so far) and "putting lipstick on a pig". Finally there's easyJet CEO launching easyMoney, but kicking off with just an ISA, as the first of several products. Again the team is not impressed, and thinks they could've tried harder. Next up we discuss New York's commitment to fighting cyber crime and the shocking news that previously cyber crime crackdowns had only been voluntary and on a state by state basis, only now the US is cracking down but not, as lamented by Nina, at a federal level. The team also discuss Square continuing to support bitcoin, N26 continuing to grow exponentially, GoHenry teaching kids how to earn and save, contactless cards embedded in coats for the homeless in Amsterdam, and 50 Cent's insistence that he never owned any bitcoin - despite previously claiming to have earned $8million in bitcoin for the sale of his last album - our team have 21 Questions for him on this one. We hope you enjoy the show and don't forget to leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guests: Doug Bobenhouse, Nina Mohanty, and Valentina Kristensen.
Mar 05, 2018
Ep. 187. Interview: Interview with Stefan Ebner, CEO of BrainTribe
33:02
In the next 5 years we're going to see Data commoditised and in an era where data sovereignty is going to be come more prominent, how to large companies use this to create more customer centric products. Many would say data is going to become digital oil, but should it be seen as digital water? Something everyone (should) have access to? BrainTribe aim to create an open source operating system for data and Stefan Ebner explains how their clients use said data to improve their business models. How is it open source? What are data lakes? How much does efficient use of data improve companies? Find out the answer to all of this and more in this interview! Hope you enjoy the show and don't forget to leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guest: Stefan Ebner.
Mar 02, 2018
Ep. 186. News: Fist bumps over the Atlantic
54:12
We kicked off the show with a double whammy of Starling stories. Luckily we had Megan Caywood to tell us more. Firstly this one in CityAM announcing Starling's 4 new partners in their marketplace: Pensionbee, Wealthsimple, Habito and Kasko. Next we move onto Starling’s Settle Up feature which Megan explains as “A really easy way to make payments between friends”. Ross said he struggled to find the use case for this at first but now he properly gets it, and its design is excellent “I struggled at first to see this as a use case… but it’s awesome and design-wise it’s really nice”.  Moving on from Starling to their biggest rival, the team discuss this story from City AM - regarding Monzo's partnership with Moneybox via open banking APIs, which allows Monzo users to invest their cash by rounding up purchases to the nearest pound. From Monzo to Revolut, and ss with seemingly every Revolut CEO interview, this interview in the FT  got a lot of people talking on Fintech Insider News, our forum for discussion of the latest news and stories in the fintech world.Nikolay Storonsky talked to the FT about the long hours and high staff turnover at Revolut, claiming there is little room for work-life balance in a fast-growing start-up. However he also claims he has never come across a burnt-out employee, and pledges to pay for a two-week holiday for any of his staff who feels overwhelmed by the demands of their job. Interesting stuff...what are the chances someone takes him up on that pledge? The next story is one Simon described as "Giving me warm fuzzies" as The UK's FCA and the US' CFTC sign fintech pact. The Financial Conduct Authority (FCA) and the US Commodity Futures Trading Commission (CFTC) have signed an arrangement that commits the regulators to collaborating and supporting innovative firms through each other’s financial technology (FinTech) initiatives – LabCFTC and FCA Innovate. To summarise, Simon described the pact as “fist bumps over the Atlantic”. From one pact that definitely is happening, this one is less clear. In this story from CNBC, Amazon might have teamed up with the Bank of America for its lending programme. If Amazon are working with big banks to get into the lending space, should traditional players in this market be worried? In this next story they discuss a partnership that this time definitely is happening: Azlo, a digital banking startup targets gig economy workers is backed by BBVA. This story impressed the panel slightly more than the speculative Amazon murmurs, with Edward Berks calling it a "solid proposition". From a Spanish backed startup to a Canadian one that’s gaining momentum, is the news in Business Insider regarding robo advisor Wealthsimple's £37 million fund raise. Their business model heavily targets millennials - 80% of their clients are under 45 and 40% are first time investors. Is the age of robo-advisors coinciding with mellenials having more money to invest? Next up we reached the silly story part of the show now, starting with this story from Conservative Home explaining how Conservatives can use the blockchain for activism. This is a bizarre thought piece about a theoretical token called ConservativeCoin and indeed Megan summarised this well, stating that "it sounds like someone had too much time on their times". Continuing with the crypto theme, and setting up new tokens, CoinDesk broke the news this week that Steven Seagal Endorses Questionable 'Bitcoiin' ICO. Instead of kicking ass on screen, it seems the martial arts savant has taken to round-house kicking the blockchain world by endorsing Bitcoiin2Gen....the name alone had eyebrows raised! In a show packed full of good news, we chose one more to end on, this one in the Express regarding the Big Issue magazine seller who takes contactless and saw a huge boost to sales as a result. Big Issue seller Robin Fabian bought a contactless card reader to increase his sales after passers by repeatedly didn’t the have £2.50 in change to buy a magazine. He said the card reader paid for itself on the first day, and since then he estimates he's sold 200 extra copies. Hope you enjoy the show and don't forget to leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guests: Edward Berks, Megan Caywood, and Ross Gallagher.
Feb 26, 2018
Ep. 185. Insights: Fintech for All
29:31
Today we’re bringing you an insights show with a difference. A couple of months ago our 11:FS CEO David Brear was invited to be a judge of Tech City UK’s Fintech for All competition. This was a nationwide competition in 2017 to find fintech startups that make financial services work for everyone. As well as some fantastic entrants and eventual winners, this event got us thinking about the wider implications of financial inclusion. Therefore we felt we really needed to do a podcast to delve into the issues raised.and what this competition really highlighted, and how best the problems of financial inclusion and serving the underbanked can be solved in the UK. Joining us we had both the Tech City UK team behind the event and also an event sponsor and an event winner: Laura Coffey - Head of Fintech at Tech City UK Gregoire Michel - Senior Program Manager at Tech City UK Miles Debrah - Evaluation Grant Manager at Money Advice Service Virraj Jatania - CEO &amp; Co-founder, Pockit We hope you enjoy the show - spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Gregoire Michel, Laura Coffey, Miles Debrah, and Virraj Jatania.
Feb 23, 2018
Ep. 184. Fintech Insider After IV - The Valentine's Day Edition
44:40
Walking on to Barry White blaring out over the sound system, Jason and Simon kicked off After Dark IV, the Valentine's Day special - our biggest ever live After Dark show at WeWork Moorgate. With over 300 fintech fans in attendance, the guys introduced a fantastic panel of guests including Valentina Kristensen, Head of Marketing at Oak North; 11:FS Pulse and Research Director, Ross Gallagher; our most prolific podcast guest, co-host of InsurTech Insider, Business Insider analyst and reporter, Sarah Kocianski, and HSBC’s Global Head of Corporate and Institutional Digital, Niall Cameron. Fully provisioned with alcohol and a wealth of terrible Valentine's day puns the panel were all set to unpick the week's top (and often sillier) stories. We kicked off with the news that venture capital investment into fintech more than doubles, according to Innovate Finance reports; next up we have a swathe of Blockchain Insider stories starting with Jay Z’s Roc Nation investment in Robin Hood, and France and Germany's call for regulation of crypto at the G20. We also touched on an InsurTech story as Uber and Waymo settle their divorce with a $245 million settlement over self-driving-car trade secrets. In part two we cover, Monzo goes stateside as Tom Blomfield hints are early plans for US expansion; Monese goes intergalactic, in a clever piece of PR to celebrate a successful launch for SpaceX’s Falcon Heavy, they have opened the queue for a banking service available on Mars; Alibaba does a thing as Ant Financial seeks $5bn in funding ahead of IPO which will make them the world's biggest unicorn, ahead of Uber. We also play a game with our audience asking who said what? as we read out quotes from execs who denied innovation, even as it was happening around them - test your knowledge and see if you can beat our audience! Thanks to everyone who came on the night - stay tuned for After Dark V! Hope you enjoy the show and don't forget to leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guests: Niall Cameron, Ross Gallagher, Sarah Kocianski, and Valentina Kristensen.
Feb 19, 2018
Ep. 183. Insights: FCA Takeover
47:44
In this very special FCA Takeover Jason speaks to: Anna Wallace - Innovate Head of Department and Nick Cook - Head of Regtech &amp; Advanced Analytics all about Project Innovate and future plans for the sandbox following Chris Woolard's announcement, interview and paper earlier in the week. (For more info on that, check out Ep 182 of Fintech Insider where Jason got the scoop). Next up he and Simon talk PSD2 and Open Banking with Graeme McLean - head of banking and lending policy; and Val Smith - Director of Credit Authorisations. They chat about the successes of Open Banking so far, what could've been better and what the future looks like. And we also had the chance to talk about the FCA’s Competition remit with Mary Starks - Director of Competition and Chief Economist. We hope you enjoy the show - spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Anna Wallace, Graeme McLean, Mary Starks, Nick Cook, and Val Smith.
Feb 16, 2018
Ep. 182. Interview: The FCA's exclusive announcement
23:19
Chris Woolard, Strategy and Competition Director, at the FCA speaks exclusively to Jason Bates about an announcement concerning their regulatory sandbox. Without giving the game away, they discuss the FCA;s latest paper about their future plans for the sandbox, how this will help companies and also take advantage of reg tech. Chris tells us about the success of the previous 4 cohorts of the sandbox to date, and what the future looks like. He explains what the Innovate department of the FCA does and what it focuses on. He tells us about the importance of regulation, especially for start ups and how the FCA is best placed to help start ups, they don't want to appear unfriendly or intimidating so that start ups actively avoid being properly regulated. Additionally they also discuss Chris' background, how he got into the role and the importance of competition in the market. We hope you enjoy the show - spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook. Special Guest: Chris Woolard.
Feb 14, 2018
Ep. 181. News: [The SME sector is] So Hot Right Now
1:04:39
In this week's news show Simon and Jason are joined by 11:FS NED Chris Skinner, Tanya Andreasyan, Editor at Banking Technology; Kristian Luoma - Head of OP Lab, in town from Helsinki for one night only and Cliff Evans, Head of Digital Banking at Capgemini, to take on the week’s top stories. This week they look at the monumental shifts in both global stock exchanges and crypto markets - what has been going on, can it bounce back and should we be worried?; the US take on Open Banking - what can they learn from the UK?, and exciting developments in the SME space both here and abroad. We speak to TSB Commercial Director Richard Davies to tell us more on their planned £100m injection of funds into the UK"s SME sector. The team also take on, big banks calling for regulation of tech giants, Alipay's new ventures into cashless European tourism, Penta's funding round, the death of the chatbot, the UX revolution in banking that might have passed you by, and how out of date computer systems are allowing hackers to hit the jackpot. We hope you enjoy the show - spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Chris Skinner, Cliff Evans, Kristian Luoma, Richard Davies, and Tanya Andreasyan.
Feb 12, 2018
Ep. 180. Interview: Mike Kelly, CEO - Curl
32:22
Simon Taylor chats to Mike Kelly, CEO and founder of Curl, a new payment network, designed around merchants and consumers. It works via usernames and bank transfers, and is built around Open Banking, and the opportunities that's developed in the market. Simon and Mike dig into what makes the Curl payment network stand out, what the rationale is behind the usernames, and the opportunities available with the arrival of Open Banking. They talk about Curl business model, how it helps both consumers and merchants alike, what the technology is behind the network and how it processes payments, and introduces us to the idea of "hands free" payments. We hope you enjoy the show - spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook. Special Guest: Mike Kelly.
Feb 08, 2018
Ep. 179. Interview: Scott O'Malia, CEO, ISDA
27:44
Simon Taylor speaks to Scott O'Malia, CEO of ISDA, the International Swaps and Derivatives Association. Kicking off: what IS ISDA? Why is standardisation so important? How do companies work with ISDA? Scott tells us all. He also tells us about his unique background and career, from a front row seat to the financial crisis to regulating for the future to avoid future crises. We hope you enjoy the show - spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook. Special Guest: Scott O'Malia.
Feb 07, 2018
Ep. 178. News: Always look on the bright side...
57:45
In today's show the team take on: whether Brexit really is more of an opportunity than a threat to fintech, as the MP involved seems to believe, your weekly dose of Open Banking insight, plus special mention of Credit Ladder's new use case for open banking, and the stepping down of Anthony Thomson, Chairman of Atom Bank. They also discuss the Gaurdian's story that 7 in 10 UK workers are “chronically broke”, and why that could be and are people just missing opportunities to save? Opinions are divided on this highly contested topic. Meanwhile in the US millennials are seemingly more financially secure that we thought. Simon takes on Robinhood's cryptotrading and its appeal to the millennial market, could it be using crypto as a way of luring users into their app to make other more traditional trades and investments? We speak also speak to PensionBee CEO Romi Savova about HER open letter to Aegon, accusing them of bullying and preventing users from transitioning out of Aegon into PensionBee. We hope you enjoy the show - spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Caroline Plumb, Charlie Wood, Romi Savova, and Ross Gallagher.
Feb 05, 2018
Ep 177. Insights: Financial Services & Mental Health
33:22
Mental health affect us all, not least when we have financial difficulties or worries. Time to Talk Day opens up the conversation around mental health and removes the taboo, asking all of us to be more open about our mental health. Simon Taylor chaired a panel discussing how financial services can be more astute about mental health and how they can improve the relationship between their products, customers and mental health challenges. We invited along subject matter expert James Routledge from Sanctus, an organisation specifically challenging perceptions of mental health, with the aim of normalising conversations around mental health and how workplaces can better accommodate this, as well as FS experts Ghela Boskovitch and Jo Ann Barefoot and the FCA's Nick Cook to tackle how financial services can offer more frictionless services that better accommodate customers' mental health as well as financial situation. If you’d like to know more, do take a look at some of the Money and Mental Health Policy Institute’s work in the area, and if you’d like to talk about some of the issues raised in the show, visit Sanctus.io, jsbarefoot.com or fca.org.uk. We hope you enjoy the show - spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Ghela Boskovich, James Routledge, Jo Ann Barefoot, and Nick Cook.
Feb 02, 2018
Ep. 176. State of the Union 5
58:31
Coming to you from Kabbage offices in Atlanta, where Sam and our wonderful guests delve deep into the Fintech hub over some beverages. San Francisco has Silicon Valley and Atlanta is has 'Transaction Valley'- but why? Well 70% of payment transactions come through a company listed in Atlanta. If there's someone in fintech in the payment space, they're either in Atlanta or have something to do with the area- safe to say Atlanta really does live and breathe payments. The team also talk about fintech education, organic company cultures and building the backbone of payments. They also take a look at some topical news stories in the payments space. We hope you enjoy the show - spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com (mailto:podcasts@11fs.com) or on Twitter @FintechInsiders (https://twitter.com/FinTechInsiders) and follow us on Facebook. Special Guests: Ginger Schmeltzer, Joe Kleinwaechter, and Kathryn Petralia.
Jan 31, 2018
Ep. 175. News: The War For Talent
59:26
Our show begins by discussing why Fintechs and Banks are duelling for talent, as financial technology startups go in hiring overdrive- thus butting heads with the incumbents for the very best candidates. Are banks worried about losing out on top rate talent? Next we explore some pretty damning stats, as the U.S. big four retail banks dealt with almost 20% increase in credit card losses last year. Financial crash anybody? The team get their bear masks on and discuss how growing credit card debts in individuals could be increasingly concerning for incumbents and the economy in general. Staying with empty bank accounts....Wells Fargo apologise for a a glitch that emptied out bank accounts. According to reports, a glitch caused online bill payments to be processed twice which led to some customers with very unhealthy bank balances. Moving across the world, Australia plan to introduce industry-wide platform for real-time payments called the NPP (New Payments Platform). The infrastructure will allow payments between business accounts and customers at different financial institutions in Australia. Next and staying the the outback, Westpac brings back transactions via text messages. Westpac's new iMessage shortcut will allow customers to make payments. Is this secure? Our team discuss whether or not customers will trust payments via iMessage and whether or not anyone even uses the service anymore! On to technology, Google and Tencent team up agreeing to share patents in a global tech alliance. The 2nd and 5th large companies in the world have teamed up and this should allow Google to rebuild its presence in China. Partnerships continued, Transferwise and Flinks partner up in Canada-which will facilitate instant account verification and will act as the link between Transferwise and the Canadian banking world. We wouldn't want to bring you an episode without some regulatory news and to give you your fix on today's Fintech Insider news show, we discuss 'seven key facts about PSD2 could cause some head scratching'. Our panel run through this story and discuss how some of these could be interpreted. Finally, the man who ordered £3,000 worth of Bitcoin gear online was furious when he received a Boss Baby DVD. Think it's safe to say he was not impressed, and the team discuss whether or not the film itself is worth it? Finally 2.0, 'Grumpy Cat' wins a $710,000 payout in copyright lawsuit. Grumpy Cat Limited sued the owners of coffee company Grenade for exceeding an agreement over the cat's image. You can imagine the cat's owners were 'feline' great after that mega payout! We hope you enjoy the show - spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com (mailto:podcasts@11fs.com) or on Twitter @FintechInsiders (https://twitter.com/FinTechInsiders) and follow us on Facebook. Special Guests: Patrick Lane and Sophie Winwood.
Jan 29, 2018
Ep. 174. Interview. Derek Corcoran - Chief Experience Officer, Avoka
29:03
Many financial services companies are trying to build from the ground up, creating new banking systems or products that are more in line with creating an efficient and customer centric front end. Avoka on the other hand, are creating acquisition products that work in tandem with core banking systems. Chief Experience Officer Derek Corcoran talks us through how Avoka are creating a platform for better customer experience. Indeed, opening current accounts and signing up for a credit card can be tedious, and it's definitely not mobile friendly. Instead of going through 30 layers of customer on boarding that most users fail to do all in one go, Derek discusses how their business model centres around the 'one and done' instantaneous form submission that makes sign-ups all so simple. Not only is their process faster and more convenient, there's also an added element of security- photo ID recognition means users take photos of their driving licences or passports making the sign-up faster and safer. They handle this transaction layer, until it's ready to be delivered to core banking layer. The culture at Avoka is 'we are going to be successful by making our clients successful', and indeed Derek talks about a meticulous iteration process of creating product after product that aims to satisfy their clients as much as possible, and in turn satisfy the customers they are trying to bring on board. Data analytics are central to these iterations, creating analytics engines which show Avoka where in the application flow the customer is lost. This is imperative to the evolution of their products but also the specificity to each client- they can use this data to show banks exactly what they're missing, and exactly how they can improve upon that. We also discuss Derek's unique role and job title at the company and what being a 'Chief Experience Officer' actually means. He splits his role into 3 parts,The first is of which is thought leadership around this space, Looking at experiences that banks are putting in to the market, to understand who is doing well. The second component is product development, by analysing customer needs and what other platforms/products are succeeding, Derek also helps in terms of innovation. Finally, the third component is client strategy and relations, they have 3 of the 10 top global banks using their platforms so it's key these relationships are managed accordingly to maintain integrity and credibility to Avoka. We hope you enjoy the show - spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com (mailto:podcasts@11fs.com) or on Twitter @FintechInsiders (https://twitter.com/FinTechInsiders) and follow us on Facebook. Special Guest: Derek Corcoran.
Jan 26, 2018
Ep. 173. Investing's Future - a Platform for Your Future Wealth?
1:07:34
So what is an investment platform? According to our panel it's much like a supermarket- you go in and buy lots of things, however you're also doing all the cooking! We discuss how robo advisors can disrupt investment platforms, by scaling the 'do it for you' investment model through technology, and how this interesting supermarket analogy gets altered due to it. We then move on to Millennial wealth and investment, exploring how newer generations don't have the benefit of buying property and seeing prices skyrocket, whilst also being saddled with debt as they begin their working lives. But how does a generation that has grown up with social media, a generation that is exposed to instant gratification so often- grow to understand the non-immediacy of investment? Or is this the responsibility of investment platforms- does this area need to be more accessible? Mitigating the jargon and bridging that financial literacy gap is imperative, but could governments rather than financial isntitutions be the answer in educating? But is the challenge with long term investment an economic one rather than educational-inflation currently sitting at 3% means that many cash ISA's aren't really working. To quote our guest Jon Willis: "you may as well keep your cash under your mattress" and this is very much the view financially literate millennials take- citing the lack of excitement a reason for disinterest, hence- Bitcoin. So how do we make it more accessible? Since millennials don't trust banks, as they have grown up with other brands and services that this generation of users are comfortable with e.g Facebook and Amazon. Is it through gamification? Is that the best way to bridge this literacy gap and make investment more accessible? Our wonderful guests dive deep into this subject and how the challenge posed to investment platforms can be answered. We hope you enjoy the show - spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com (mailto:podcasts@11fs.com) or on Twitter @FintechInsiders (https://twitter.com/FinTechInsiders) and follow us on Facebook. Special Guests: Adam French, Jon Willis, Pete Townsend, and Shaun Port.
Jan 24, 2018
Ep. 172. News: Fintech Insider - The Pub Crawl
1:02:50
David, Jason and Simon were joined by Chris Skinner and Monty Munford for this week's news show from a pub in Bermondsey, complete with pints and pie - the full British pub experience. We’re now past “deadline day” so naturally our first batch of stories concerned Open Banking and what the banking landscape looks like so far in the wake of PSD2 becoming law on 13th January. The guys chat about the impact the media has had on people's perception of open banking and potentially on customer adoption of it. They also touch on how Nationwide (https://fintechinsidernews.com/posts/KMg48gXQKz3Pi8Eg8/nationwide-delays-open-banking-launch)is the latest big bank to ask for an extension to meet the PSD2 deadline, and is meeting the deadline necessarily in correlation with being "good"? Staying on the theme of open banking they also talk through Monzo's interim API (https://fintechinsidernews.com/posts/pJY2Xb9YFyXACiqd6/monzo-launches-their-interim-api-for-open-banking) that they released in conjunction with the PSD2 deadline, and reflect on our interview (https://11fs.com/interview/tom-blomfield-on-monzos-1000-growth-and-taking-on-the-tech-giants/)with Tom Blomfield where he contested that Monzo are potentially better placed that the GAFA companies to take on Alibaba and build the financial control centre for the West. Speaking of Alibaba, the guys muse through their latest developments and the willingness of the Chinese government to support the Eastern tech giants in a way that regulators and governments are yet to do in the West. This leads to a lot of philosophising from all sides on the perpetual East vs West conundrum and who is currently winning? Moving on to arguably the biggest story (https://fintechinsidernews.com/posts/bvHLxrFzGYKkkYATP#zzKN3iLHAnibJEhTn) of the week, the guys discuss the so-called "Crypto blood bath", as all cryptocurrency prices tumbled and no one really knows why the price tumbled for as far as it did for as long as did, or why it happened now. Following on from Business Insider's thoughts on why the prices have fallen so quickly, the team give their predictions, stay tuned to see who is right! Other notable stories of the week include Revolut's foray into travel insurance, Xinja's impressive fund raising, and U2's investment fund getting involved in fintech - could it be a Beautiful Day or maybe he Still Hasn't Found What He's Looking For. We hope you enjoy the show - spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com (mailto:podcasts@11fs.com) or on Twitter @FintechInsiders (https://twitter.com/FinTechInsiders) and follow us on Facebook. Special Guests: Chris Skinner and Monty Munford.
Jan 22, 2018
Ep. 171. Interview With Rishi Khosla, CEO of OakNorth
19:57
OakNorth isn't perhaps the most high profile Challenger bank in the UK, solving a real problem by serving the 'missing middle' who aren't being served well by existing lenders. Their business began by exploring how they can actually solve this issue, rather than how they could become a great bank- Rishi citing this particular outlook as one of the reasons OakNorth has seen success. Looking at OakNorth's social impact, their data shows that they've added about 2,000 to 3,000 new jobs through their lending as well as about 2,500 homes. Now perhaps some of these people may not have had a chance if it wasn't for OakNorth's human element. Their lending committee actually analyses the entrepreneurs behind the projects, rather than using a 'computer says no approach.' Rishi clearly feels OakNorth are still in infancy when looking at their future roadmap, he states that they want to vastly expand the business as they believe they can solve problems in multiple markets. The future certainly seems bright for this challenger bank and their social impact is certainly impressive! We hope you enjoy the show - spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook. Special Guest: Rishi Khosla.
Jan 19, 2018
Ep. 170. Understanding Wealth: the Best Asset of Asset Managers
51:09
We bring you the second part of our special wealth series, as we concentrate on asset management trends and how 2018 will impact the investments market. First, our panel discuss how evolving demands from varying types of customer in the asset management industry are challenging legacy ideas. How does millennial inheritance (https://fintechinsidernews.com/posts/Kiw3eMhX8tA3L2N45/millennials-to-secure-inheritance-boom) impact their thinking? And do longer life spans require asset managers to explore different avenues to meet customer needs? Next we move on to discuss the value chain, more specifically distribution, portfolio &amp; management risk, middle &amp; back office and finally 3'rd parties. It wouldn't be an 11:FS podcast if we didn't discuss Fintech to some extent, and the team dissect various trends that are leading indicators of what to come. How could Tech giants become disruptors (https://fintechinsidernews.com/posts/ZDF8nWxK8896guEqz/legg-mason-chief-warns-of-disruptive-period-for-asset) in this space? Robo-advisory platforms have become more and more prevalent but is there a limit to how far they can go? Most data shows that many consumers are more comfortable with human elements in this business model, but could the millennial generation change this? The blockchain hype just won't go away, and rightfully so, as we discuss whether or not blockchain (https://fintechinsidernews.com/posts/XeQ2EFEWENRcuy5kC/vanguard-taps-symbiont-s-private-blockchain-for-index-fund) could become part of the infrastructure that future asset management business models are built upon? AI is another regularly discussed topic in this space, is it all hype? Or is there something there in the technology that asset managers could use to create a better financial product for their customers. We hope you enjoy the show - spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Chris Mills, Pete Townsend, and Zeynep Meric-Smith.
Jan 17, 2018
Ep. 169. FCA Crashes the BYOD Party
1:18:28
First up on today's news show, the FCA bans BYOD (https://fintechinsidernews.com/posts/D7tDghZ69SqA2xMBN/fca-gold-plates-eu-rule-bans-byod-across-entire-uk-finance) (Bring Your Own Device) across the the entire UK finance sector. Whilst regulation is on the tip of everyone's tongue, cryptocurrencies managed to sneak their way onto the show once more as Kodak launched KODAKcoin (https://fintechinsidernews.com/posts/B2tSHmFbx3YHb6tSX/kodak-stock-is-up-44-after-announcing-it-s-launching-a), boosting stock prices an outrageous 44%. From one major announcement to another, tech giant Tencent (https://fintechinsidernews.com/posts/oPsSvRyCDwzQqed3j/tencent-gets-a-licence-to-sell-mutual-funds-to-wechat-s-1) gets a licence to sell mutual funds to WeChat's 1 billion users in China. Moving on, TransferWise is quietly launching its "borderless" debit cards (https://fintechinsidernews.com/posts/FEwBEEzAbDxAsnD5z/transferwise-launches-borderless-accounts-and-debit-card) to 1,000 customers, with a full rollout coming later in the year. We discuss what the future of borderless payments could look like and how this brings the company in closer competition with Revolut. Our next story comes from a report written by FleishmanHillard named 'The Fads, The Fears and the Future' (https://fintechinsidernews.com/posts/E5eDSCuzDA3rHXpAu/fintech-in-2018-the-fads-the-fears-and-the-future) which details the most overhyped technologies and trends in 2017. Simon Taylor interviews Claudia Bate the author, where they discuss the report at length including the methodology behind the statistics and upcoming regulation. Our last episode was named 'Tis The Season of Open Banking and the subject just won't go away. The Guardian published an article which asks whether open banking is a 'radical shake-up, or threat to your private data?' (https://fintechinsidernews.com/posts/zh28p8aPstBsJBGdL/open-banking-radical-shake-up-or-a-threat-to-your-private) and our panel explore this at length. Do people know where their data is going? Our panel explore whether or not consumers actually need to know how their data is being used so long as it creates a better product for them. Next, we discuss Brexit's impact (https://fintechinsidernews.com/posts/znFHkNdZZf66RdfXB/brexit-impact-on-venture-capital-investment-into-uk-fintechs) on the Fintech space and whether or not cynics have been proven wrong. Uncertainty has been prevalent over Brexit particularly in finance and this is something dissected during this episode. Software-only Wealthfront (https://fintechinsidernews.com/posts/Rt4jmRfzbwRg7XQN8/software-only-wealthfront-raises-usd75-million) were also in the news as they raised $75 million as they aim to target millennials. We discuss who the term 'millennial' refers to and also what the traditional demographic usually is. We break down 'Meltdown and Spectre' (https://fintechinsidernews.com/posts/snpu9SKWXHQspERkj/what-bankers-need-to-know-about-meltdown-spectre-chip-flaws) (scary headline for a financial services story), a bug that could be used to compromise computer chips creating security vulnerabilities, what is being done to fix it and how it could impact legacy systems. On the brighter side of things, more than £300m of 'forgotten' money (https://fintechinsidernews.com/posts/RvnKnepuqHJ59qrSy/more-than-gbp300m-of-forgotten-money-to-be-stripped-from) is to be stripped from bank accounts and given to charities and people in debt instead. Robin Hood springs to mind and the team details whether or not this is the right way of dealing with the dormant money. Finally, 'fake cannabis' (https://fintechinsidernews.com/posts/RbqCqs6BQSyKcyA5k/fintech-and-fake-cannabis-drive-record-number-of-swiss-start) drives record number of Swiss start-ups. Are we moving from 'Cash &amp; Cocaine' to 'Bitcoin &amp; Weed'? We hope you enjoy the show - spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Charlie Wood, Pete Townsend, Ross Gallagher, and Sarah Kocianski.
Jan 15, 2018
Ep. 168. Interview: Tom Blomfield - CEO, Monzo
43:23
From pre-paid card to fully fledged Current Account, Tom Blomfield details the journey of UK challenger bank Monzo with great enthusiasm and vibrance. Tom talks our host Simon Taylor through Monzo's viral growth and how their marketing team has managed to grow the company 1000% in the last year alone, on a very limited budget. 'I don't think we're a million miles away from the mainstream' is a great quote and highlights the ambition of the challenger bank, as we discuss Monzo's roadmap for the future. Regulation has been a hot topic to kick off 2018 and so you won't be surprised that PSD2 is much discussed throughout the interview. Indeed Tom gives his opinions on how large banks and open banking will be impacted by the regulation. Murmurs of both a Monzo IPO and potential acquisition have been constant throughout 2017, and Tom's admirable attitude that an acquisition "would feel like failure" shows just how dedicated the Monzo team is to creating a better banking product for its customers. He takes responsibility for the IPO rumours saying that it was down to a copywriting indiscretion, however also states a future IPO is possible. This episode is sponsored by Toptal, an exclusive network of the top freelance software developers, designers, and finance experts in the world. To find out more, visit Toptal.com (https://www.toptal.com/finance/fintech?utm_source=podcast&amp;utm_medium=fintechinsider&amp;utm_campaign=1). We hope you enjoy the show - spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook. Special Guest: Tom Blomfield.
Jan 12, 2018
Ep. 167. Insights: A Wealth of Disruption - How Wealth Management is Changing
51:11
In the first of our three-part series on investments, Simon Taylor is joined by special guests Joe Parkin, Gemma Godfrey, Phil Smith, Olivia Vinden &amp; Gareth Johnson. We kicked things off by asking our panel what IS wealth management? How does it differ from asset management and what does the future of the industry look like? Our guests have a wealth of experience (pun intended) in this industry, and tried to dissect the role of the wealth manager and how technological evolutions will transform this space. We discuss whether or not digitisation of the role would to some extent mitigate the human element behind wealth management, and how exactly this will alter the customer relationship. DLT, Machine learning and AI are all buzzwords, but how could these growing areas of innovation change wealth management? How will data, in tandem with these technologies successfully make wealth management for more accessible to the consumer? The panel discuss how these areas could benefit the industry, offering some very interesting insights. Finally, we explore how changing demographics - both managers and customers - alter the approach to wealth management? It's incredible to think that many children born today, will live close the age of 100. This changes the approach from a wealth management point of view, but also increases the range of people who will understand future technologies that will have a vital role to play in this area. Thanks for listening! Spread the word, tell all your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Gareth Johnson, Gemma Godfrey, Joe Parkin, Olivia Vinden, and Phil Smith.
Jan 10, 2018
Ep. 166. News: 'Tis the Season for Open Banking
1:11:03
First up on today's show, Alibaba's Ant Financial has abandoned a $1.2bn takeover of MoneyGram (https://fintechinsidernews.com/posts/ucLFCXmH8NX8GEudL/alibaba-s-ant-financial-abandons-usd1-2bn-moneygram-takeover). So what were the US regulator's concerns over national security and personal data. Continuing the regulatory theme, we explore open banking and traditional banking. The guys discuss why open banking might threaten the survival of traditional banks (https://fintechinsidernews.com/posts/YZr6HXRtQ9EnZg42P/why-new-rules-threaten-the-survival-of-traditional-banks). Plus, new research suggests that consumer awareness of open banking is at a major low (https://fintechinsidernews.com/posts/y6EtbnoKgwTf4C7Ja/consumer-awareness-of-open-banking-at-major-low-spelling), amidst suggestions that in 2018 you'll pay through Amazon and Facebook (https://fintechinsidernews.com/posts/fnbETAJaHgyDYjajZ/forget-banks-in-2018-you-will-pay-through-amazon-and). Next, we ask what is MiFID II (https://fintechinsidernews.com/posts/mzBe234P52F9RmDGP/what-is-mifid-ii-europe-s-sweeping-financial-regulations) and how will it increase transparency and bolster investor protection? The guys discuss why the credit card fees ban has backfired (https://fintechinsidernews.com/posts/kJLm9wg6iYekcJyAY/credit-card-fees-ban-backfires-as-consumers-face-new-service), and why consumers face new 'service charges' and higher prices. Is it right that by 'fat-cat Thursday', top bosses' pay after just three days overtakes workers' average annual salary (http://www.bbc.co.uk/news/business-42559224)? P2P payments are back, so is it true that Apple Pay Cash won't be the death of Venmo (https://fintechinsidernews.com/posts/AyLaQygcTJT33Sxa6/apple-pay-cash-won-t-be-the-death-of-venmo-but-i-found-the)? And if not, could Zelle (https://www.zellepay.com/) do it? And in the world of banking and savings apps, the guys explore news that Thomas Cook is planning a banking app (https://fintechinsidernews.com/posts/bbvN7GjzimqNS6p5M/thomas-cook-plans-banking-app), plus the consequences of news that savings app Folio has gone under (https://fintechinsidernews.com/posts/HRHtkyZwccievPGpe/exclusive-savings-app-folio-goes-under). After a very relevant tweet (https://twitter.com/emilyrauhala/status/948499438141628416), we return to a story from Ep. 141. The future will be tokenised (http://fi.11fs.com/145), with an update on the Chinese government's plans to give every citizen a score based on their trustworthiness (https://fintechinsidernews.com/posts/wm6r2Nmu4SZ4qeFLj/the-chinese-government-wants-to-give-every-citizen-a-score). So does this sound like a great endorsement of your behaviour or an Orwellian intrusion? Let us know your thoughts @FintechInsiders. In the last story for this week's news, why psychedelic stickers are blowing AI minds (https://fintechinsidernews.com/posts/Fv4bqpkZf9RBza46x/these-psychedelic-stickers-blow-ai-minds). We think these might become quite popular in the near future... And finally on today's show, we offer our predictions for 2018. Tune in to hear the team's thoughts on open banking, SMEs and anticipatory design, and check out our 2018 predictions (https://11fs.com/blog/our-2018-predictions/) blog. Thanks for listening! Spread the word, tell all your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Andra Sonea and Benedict Shegog.
Jan 08, 2018
Ep. 165. State of the Union 4
1:05:15
Sam Maule is joined by Jason Bates and new 11:FS team member, Doug Bobenhouse in Chicago to discuss the State of the Union in the US, wrapping up 2017 and looking ahead to next year. They discuss the history of fintech, starting with pre-paid cards, and the slowness of movement by the big players in the US in particular to adapt and change. Jason talks through "platformification" and the ability to make fast changes by building new propositions on top of old systems, turning products into services. They discuss the risks and also the opportunities for smaller banks in the space to collaborate and share learnings and also APIs and backend systems, with each other and also the big banks in order to take advantage of the changes in the space, and "take the game to the big guys". What does "ruining the romance" in banking mean? Jason and Sam explain all. Sam and Doug discuss how Chicago made its mark on the financial services landscape of the US, and its benefits for start ups in the space. And Jason asks are faster payments even possible in the US? Sam and Doug debate, and Sam Maule is left speechless by one suggestion - listen out for that! The guys also look ahead to 2018 and give their predictions for the next year in financial services for the US, including Dodd Frank, and marketplace competition vs monopoly. Enjoy the show! Spread the word, tell all your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook. Special Guest: Doug Bobenhouse.
Jan 05, 2018
Ep. 164. Interview: Eric Wilson, Xinja
22:24
Simon Taylor speaks to Eric Wilson, CEO at Xinja, who are building Australia's first digital bank. First off Eric introduces us to Xinja - what is it, how does it work and what makes it unique and of course we had to ask how they came up with the name Xinja and how it's pronounced (like ninja). We ask about Xinja's business model; how they make money, who their customers are and how they acquire them, and what their longterm goals are. Eric also tells us about Xinja's partnership with Equitise to offer equity crowdfunding and the Founding Xinja community, and their aims to bring humanity back to banking and how they feel about the label "neobank". We also get his thoughts on the future of cash, particularly in Australia, and how the Australian market compares to the UK, Europe and the States. We hope you enjoy the show - spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook. Special Guest: Eric Wilson.
Jan 01, 2018
Ep. 163. Interview: Toby Triebel, Wealthsimple
21:45
Jason Bates meets Toby Triebel, CEO for Europe of Wealthsimple, a leading innovative software company. ] They discuss Toby's background, how he got into fintech and finance, and introduces us to Wealth Simple for those who might not know. They only started in September 2014 and have come a long way since then - $1bn (CAD) in AUM as of May 2017 - we ask how they scaled up so fast? They also discuss Wealthsimple's accomplishments being Canada’s first robo advisor in the space, and the challenges and impact this had, in addition to having real, human advisors on hand via phone, text, email or video call, to give advice - and is this at odds with their business model of fast, digital investment? Toby tells us all. He also talks about their hugely successful social media marketing campaign with their Wealthsimple Money Diaries, using celebrity stories to open up conversations around money and finance. Jason also asks the gritty questions about how they acquire customers, what their customer base looks like, and how they make money, their partnership with Mint and the importance of ethical investment to themselves and their customers. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders (https://twitter.com/FinTechInsiders) and follow us on Facebook. Special Guest: Toby Triebel.
Dec 29, 2017
Ep. 162. Festive Fintech Blooper Reel
3:17
Merry Christmas and Season's Greetings to all our listeners and thank you for your support over the last year as Fintech Insider has gone from strength to strength. As this episode airs on Christmas Day we thought we'd give the gift of the best bloopers from over the last year on the show, featuring David Brear, Jason Bates, Simon Taylor and guests. Enjoy! Thanks to all our guests over the last year, and thank you for listening. Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook.
Dec 25, 2017
Insurtech Insider - Ep. 6: Aviva Takeover
43:54
David, Nigel and Sarah visit Aviva's Digital Garage for InsurTech Insider's very first takeover show! Recorded from Aviva's offices, the team were joined by Claire Woodcock – Digital Strategy Lead for Digital Product and Design; Anna Stables – Digital Innovation Manager; Alex Allen – Senior Digital Innovation Manager and Colin Richardson – Co-Founder &amp; Head of Marketing at Cocoon for a roundtable discussion of all things Aviva! We kick off with a run through of what Aviva does and in particular the digital garage, their take on the insurance industry at present and how innovation is beginning to take off, and what that looks like for Aviva. They also tell us about the Founders Factory, the digital garage culture and adapting to customer expectations as the industry shifts and changes. They conclude with looking ahead to 2018 and what that will look like for Aviva and the team. It was great fun hosting this show from Aviva's Digital Garage, - don't forget if you enjoy the show to subscribe so you never miss an episode and leave us a review on iTunes. If you want to get in touch, reach out to us on Twitter @InstechInsiders (https://twitter.com/instechinsiders) or email podcasts@11fs.com. Special Guests: Alex Allen, Anna Stables, Claire Woodcock, Colin Richardson , Nigel Walsh, and Sarah Kocianski.
Dec 22, 2017
Ep. 161. After Dark III Christmas Special
1:03:37
It's nearly the end of the year and we're knee-deep in good tidings. So here's a dollop of festive fintech cheer - the third installment of our special live show, After Dark, and it's the Christmas Special, recorded live at our offices in WeWork, London! Simon and the guys steer us through the top news stories from 2017 - and what a year it's been! - with help from an expert panel and an all-star cast. First up it's January (who knew?) and Nigel Walsh, Partner at Deloitte, helps talk us through the amazing story of insurtech startup Lemonade. Into February, and Co-op Bank is up for sale. March saw a deluge of fintech and challenger bank outages, while April saw Will.i.am join Atom Bank. Alexa Fernandez, Director of Fintech Partnerships at BBVA talks us through the launch of BBVA's open banking business in May, and 'Girl, interrupted' Liz Lumley discusses the Dodd Frank repeal in June. Listen in to hear what we covered for the second half of the year, with help from Hugo Cornejo - Head of Design at Monzo; Ben Chisell - Product Director at Starling Bank; Valentina Kristensen - Head of PR and Marketing at OakNorth; Richard Davies - Commercial Banking Director at TSB; Vic Arulchandran - COO at Nivaura; and Chad West - Head of Global Brand &amp; Communications at Revolut. Plus, Nigel makes Christmas dad jokes; a man in a pink unicorn onesie; Chris calls Simon a hipster; and much, much more. Thanks to everyone who came on the night - we couldn't have done it without you. Hope you enjoy the show and don't forget to leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News (https://fintechinsidernews.com/signup). Special Guests: Alexa Fernandez, Ben Chisell, Chad West, Hugo Cornejo, Leda Glyptis, Liz Lumley, Nigel Walsh, Richard Davies, Sarah Kocianski, Valentina Kristensen, and Vic Arulchandran.
Dec 18, 2017
Ep. 160. State of the Union 3
55:24
This week, Sam's joined by Rahmi Serageldin, co-founder &amp; CEO of Honeyfi; Rob Frohwein, CEO &amp; co-founder of Kabbage; Matt Potere, CEO of Sunlight Financial; and Alexandra Villarreal O’Rourke, Financial Services Partner and FinTech Practice Group Co-Leader at McGuireWoods LLP. First up, the guys talk about the South East - why's Charlotte become the go-to location for fintech and what makes it such a vibrant community hub? Alex tells us about the Carolina Fintech Hub - a non-profit group that fosters fintech in the city. Plus, why regulatory and legal can be such big barriers to fintech startups. Is Atlanta the finance capital of the United states? Matt tells us about the Fintech Atlanta Taskforce, and why a lot people might not get what fintech really means. With three years of experience at the Consumer Financial Protection Bureau (CFPB), Alex gives her perspective on her time there, some of the recent changes and what they'll mean for the industry. Plus, the guys discuss how regulators can further encourage fintech startups, and why the picture differs so much internationally. Is it possible to follow the 'right and fair' approach to achieve good regulatory outcomes? We talk through the Equifax hack, and explain why firms should assume that the information they receive is compromised before thinking about how to validate it. And do governments need to take the lead on digital IDs? We look to 2018 - will the financial system look better for consumers? And if so, how? Sam asks whether some version of PSD2 will hit the US, how it will arrive and what the consequences will be. Plus, what can be learned from the European experience? And to finish up this week, what will the industry look like in two years' time? Enjoy the show! Spread the word, tell all your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at <a href="mailto:podcasts@11fs.com">podcasts@11fs.com</a> or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Alexandra Villarreal O'Rourke, Matt Potere, Rahmi Serageldin, and Rob Frohwein.
Dec 15, 2017
Ep. 159. News: Mascots of the Internet
1:09:54
First up this week, the guys tackle the news that Revolut is into crypto! Can they break down the divide between old and new money? And is it dangerous that retail investors have such simple access to cryptocurrencies? And, hot on the heels of Revolut, Square has been running a trial on Cash App, a rival to Venmo, that has allowed a small number of users to purchase bitcoin. Next up, the report on the overhaul of the core banking system. And, as we at 11:FS know only too well, what a task that is! So why is it that banks need help to do it and how can they mitigate the risks involved? The FCA has announced a successful third round of its regulatory sandbox, with 61 applications and 18 accepted into the next stage, including Curl, Bud, Nationwide and Orca. And in a surprising twist (?), the European Commission has announced that it has extended the deadline for banks to meet new payment standards. So what are the most controversial changes and when's the new deadline? We also bring you a special interview with New10 CEO Mark Schroder, who talks about their partnership with ABN AMRO and what it’s like to be a fintech grown within an incumbent bank. Plus, N26 has launched a premium credit card and Liz Lumley is not impressed ("this is not news"); why America might have missed the fintech boat in India; and we couldn't let the news pass without talking about CryptoKitties. Thanks to all our guests, and thank you for listening. Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Ghela Boskovich, Kadhim Shubber, Liz Lumley, and Sharon O'Dea.
Dec 11, 2017
Ep. 158. Insights: Perfect storm for change and digitisation
38:04
This week Jason is joined by Edward Berks, Director of Banking, Fintech &amp; Ecosystem at Xero; Clare Sheehan, Deputy Director of Making Tax Digital for Business at HMRC; Mags Laidlaw, accountant and Partner at Mazars; and Charlie Wood from Capco, representing the fintech angle. We discuss the changes that are coming for small businesses (SMBs), including the digitisation of tax. So how can SMBs keep up, and how can we raise the profile of the changes that are coming? We hear why the traditional role of accountants might be changing, and why we're still going to need them in future! Are professional services business models changing as a result of technology? And among all the change and progress, what will be the role of people and where can they really add value? How far are we really from a set of workable tax APIs? Clare explains what HMRC are doing to streamline the process of filing returns. And finally, what do SMBs have to look forward to in the coming years? We talk about the impact of PSD2, relationship management and where to find support. We hope you enjoy the show - don't forget to subscribe so you never miss an episode, and we'd also love it if you could leave us a review on iTunes! Get in touch at <a href="mailto:podcasts@11fs.com">podcasts@11fs.com</a> or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Charlie Wood, Clare Sheehan, Edward Berks, and Margaret Laidlaw.
Dec 08, 2017
Ep. 157. Fintech Insider LIVE from OP's Beach Party in Helsinki
1:07:07
This week's very special show was recorded live at a beach party in Helsinki (no, really), hosted by Finnish bank, OP. Jason, Simon and Sam bring you three shows in one, as we host an insights panel around the relationships between fintechs and incumbents in Scandianavia, the rise of fintech in the Nordics in particular, why payments are the most popular segment for disruption, and the rise of cashlessness in the region. The panel is made up of Finnish fintech experts, Antti-Jussi Suominen, CEO of Holvi; Jani Tierala, VP of Product at Zervant; banking and innovation expert, Marisol Menendez, Head of Innovation at BBVA and Jamie Campbell from growing UK fintech, Bud. We also have fantastic thought pieces from Mark Pettit from Visa, Jitendra Kavethekar from Accenture, and Tashi Sylten from Tink Technology as well as interviews with Tuomas Toivenen, co-founder of Holvi and our host for the evening, Kristian Luoma, Head of OP Lab and the reason we got the opportunity to put on this amazing show. It was an awesome party, complete with cocktails in coconuts, plenty of sand, an actual boat and Pineapple Pay! We were very privileged to be part of it. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes and make sure you check our YouTube channel for exclusive content. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Antti-Jussi Suominen, Jamie Campbell, Jani Tierala, Jitendra Kavathekar, Kristian Luoma, Marisol Menendez, Mark Pettit, Tashi Sylten, and Tuomas Toivonen.
Dec 04, 2017
Insurtech Insider - Ep. 5: Insurance as a platform
56:57
David is joined by Sarah Kocianski and James York to discuss insurance as a platform. First up, James talks us through the Worry+Peace origin story, including his background in insurance, and why he strove to not take funding as the company found its feet. He also talks about why insurance is a slightly unique market, and why that warrants a different approach. The guys take on the topic of "insurance as a platform" (with air quotes) - a "trifle of potential platforms". What is it and why has it come about? And if platforms are to take control of the customer relationship, what does that mean for the big players? Plus, as big insurers come to terms with the wealth of data at their disposal, how might they incorporate AI to change the way that data is used? And what's the role of the highstreet in the distribution of insurance? The guys talk discuss the structure of the insurance industry, and why the platform plays the good cop while the underwriter plays the bad cop. Onto the news, where we tackle whether the insurance gap penalises poor households, whether big insurers are ready for the General Data Protection Regulation (GDPR), and why Amazon might pose a very real threat to incumbents. And finally, a guest appearance from Simon Taylor as he talks to Sascha Wischek, founder and CEO of Fjuul, an app-based fitness tool, about fitness tools, Fjuul points and the power of customer data to drive healthy outcomes. Enjoying InsurTech Insider? Tell a friend about us, get in touch at <a href="mailto:podcasts@11fs.com">podcasts@11fs.com</a> or on Twitter @InstechInsiders, and please leave us a review on iTunes. Special Guests: James York, Sarah Kocianski, and Sascha Wischek.
Dec 01, 2017
Ep. 156. News: Growing through pain
1:02:56
In this episode, Ali Paterson, Editor of Fintech Finance; Valentina Kristensen, Head of Marketing &amp; PR at Oak North; &amp; Tanya Andreasyan, Editor of Banking Technology join hosts David, Jason and Simon to discuss the last week's news including: Uber's data hack and alleged payoff to the hackers to delete the data; BBVA's iris scanner for mobile phone security which opens up a debate about biometrics and security overall; and as Garmin kick off contactless payments in their watches, it kicks off in the room about card payments vs smart payments, Jason is adamant that card payments are not broken and vetoes similar stories in future. Also, as Tencent's valuation overtakes Facebook for the first time, they discuss the contest between Tencent and Alibaba as well as its competition around the world - is Tencent a threat to the west? They also take on the Revolut founder's latest statements around how he hires and his expectations in the work place - causing a diatribe from Valentina attacking these sentiments that earns a round of applause in the room. They also cover: EU Passporting as Starling is accepted into the EU payments system, Barnier says Brexit could cause UK banks to lose their passports, Atom's latest fund raising and Curve makes its bank cards available to all. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders (https://twitter.com/FinTechInsiders) and follow us on Facebook (https://www.facebook.com/Fintechinsider/). Special Guests: Ali Paterson, Tanya Andreasyan, and Valentina Kristensen.
Nov 27, 2017
Ep. 155. Insights: New ways of working
37:45
Today, David is joined by Andy Ellis, Head of Strategy &amp; Innovation at RBS; Tunde Olanrewaju, Senior Partner at McKinsey; and Peter Ryan-Bell, Head of Sector and Specialist Businesses at RBS, recording live from the Tavern Stand at Lords Cricket Ground to talk about new ways of working. The guys discuss how working practices are changing, and the things they're having to do to keep up, and the impact this has had on partnerships. What are the best hiring practices and how can you build the best team possible? As the narrative has shifted to big firms that want a more digital and agile workforce, how can this be achieved with a workforce of tens of thousands? Plus, what's the changing nature of procurement and what's the importance of collaboration styles? And of course, we ask the million dollar question - how can firms make innovation an integral part of the way they work? We also learn about "fin-ology" and why it's important in the modern workplace. Plus, how to foster a decision-making culture and how a "free to think" session might help move your team forwards. We hope you enjoy the show - don't forget to subscribe so you never miss an episode, and we'd also love it if you could leave us a review on iTunes! Get in touch at <a href="mailto:podcasts@11fs.com">podcasts@11fs.com</a> or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Andrew Ellis, Peter Ryan-Bell, and Tunde Olanrewaju.
Nov 24, 2017
Ep. 154. News: Winefield
49:19
In our first all female episode, Sarah Kocianski takes the lead alongside Fiserv's Anna Bennett, Bud's Nina Mohanty, Girl Disrupted Liz Lumley and Innovate Finance's Sophie Winwood, to go through the top stories from the world of fintech and financial services in the last seven days. Kicking off with the US' first new payment system in 40 years that seemed slightly underwhelming, especially when compared with Alibaba's spending record on China's Singles Day. They also take on the new AI chatbot from Standard Chartered and whether or not the Apple FaceID hack was or wasn't a hoax, and are bankers right to feel sorry for millennials - and what are they going to do about it if they are? They also discuss Zimbabwe's lack of currency and huge bitcoin surges following the deposition of Robert Mugabe, a new bank card for spending bitcoin and ethereum; how banks such as Monzo stand to make money in the wake of open banking - and finally is it right that David Davis has promised bankers special travel rights in the wake of Brexit? Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Anna Bennett, Liz Lumley, Nina Mohanty, Sarah Kocianski, and Sophie Winwood.
Nov 20, 2017
Ep. 153. Insights: The future of banking and disruption
36:08
Welcome to this week's Insider show, where Simon hosts a panel on the future of banking, featuring Marko Wenthin, co-founder of solarisBank; Leanne Kemp, founder and CEO at Everledger; and Elena Alfaro, Global Head of Data at BBVA. Before getting stuck in to the detail, our expert panel discuss the current situation in banking. What are the biggest challenges and why hasn't banking kept up with the pace of technological change and the change in customer behaviour? How are banks learning to respond to the pace of change, and why shouldn't we just focus on digitising but being truly digital? The panel also explores the evolution of the customer journey and the importance of understanding the customer context. And Elena discusses how data might unlock a truly personalised process. Leanne delves into the importance of understanding your processes and your customers, and Marko talks about his approach to customer data. And we discuss whether machines can ever replace people in customer interactions, or whether customers will always favour a human touch. Finally, what does the future hold for banking? What might the customer relationship look like, and who will own it? And how will we be using data and analytics? Listen in to find out! We hope you're enjoying the show - don't forget to subscribe so you never miss an episode, and we'd also love it if you could leave us a review on iTunes! Get in touch at <a href="mailto:podcasts@11fs.com">podcasts@11fs.com</a> or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Elena Alfaro, Leanne Kemp, and Marko Wenthin.
Nov 17, 2017
Ep. 152. News: High Rate of Return
1:05:20
In this episode Caroline, Pete and the guys break down a trilogy of P2P payment stories featuring Facebook, Apple and... Walmart? Meanwhile Square's Jack Dorsey is frustrated by the time it takes to get a banking license and Deutsche Bank signals the end of fiat money as we know it. The second half of the show is almost entirely devoted to challenger banks as there were so many in the news this week! First up, Revolut apply for a European banking licence ahead of the Brexit agreements in order to not lose access to the European market, whereas N26 announce their plans to launch in the UK in 2018 with or without Brexit. Monzo raises another £71M in VC investment while its rival Starling becomes the first mobile only bank to connect with Yolt, and ASOS and Klarna team up for a buy now pay later scheme that had a lot of people talking about whether its actually beneficial for consumers and will it ultimately cost them more in the long run? Finally, rounding out the show is the news that Snoop Dogg's VC firm is backing a cannabis lab-testing company, ahead of the recreational cannabis market in California opening in 2018 - has he dropped this (like it's hot) just at the right time, and is he expecting a high rate of return?! All this and more in today's news show! Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Caroline Plumb and Pete Townsend.
Nov 13, 2017
Ep. 151. Interview: Amber Baldet
16:28
We have a fascinating interview for you this week as Sam talks to Amber Baldet, who leads the J.P Morgan team developing Quorum, the open source code based on Ethereum that's designed to address the challenges of blockchain adoption in financial services. We hear how Amber and the team have approached developing an open source code base from a highly regulated institution and how they've approached the blockchain community. We also talk about the importance of a transformation agenda and getting to the heart of clients' pain points. Plus, where does Amber rub shoulders with Vitalik Buterin and Brian Armstrong? Amber explains how and why "actual adoption of projects is what we really need what it comes to blockchain right now." So what distinguishes DLT from machine learning, AI and data science, and why are network coordination and marketplace understanding so important? Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook. Special Guest: Amber Baldet.
Nov 10, 2017
Ep. 150. Fintech Insider: After Dark II
1:00:55
Welcome to an extra special episode of Fintech Insider - our 150th episode and it's a Halloween-themed show recorded in front of a live studio audience at our home in WeWork, London. Simon, David and Jason are joined by Valentina Kristensen, Head of Marketing at Oak North; Charlie Wood from Capco; Monty Munford, Journalist for titles such as Forbes, The Telegraph, The BBC and The Economist; and Jeremy Burge, the founder of Emojipedia. Straight on to the news and the guys discuss why Monzo has become a chat up line in London's bars and how maybe it's all to do with their sense of community. Plus, Britain's fintech boom has pushed finance trademarks to a record high. So where will new fintech company names come from? With reports this week that people trust Amazon almost as much as they trust their bank, we discuss just how close tech firms have got with their customers, and what that might mean for banking in future. Find out who our live audience trusts most. After Dark wasn't going to pass without talking about ICOs - so do they meet William Bernstein's four criteria for a 'bubble'? No live recording is complete without a good feature, so we have a bit of audience participation in Trick or Treat: Celebrity ICO &amp; crypto endorsements, including Bono, Dwayne "The Rock" Johnson, and many more. Plus, the hotly anticipated return of the Fintech Wall of Emoji, introduced by the authority on Emoji interpretation, and Chief Emoji Officer, Jeremy Burge, and featuring Jamie Dimon vs bitcoin, iPhone X and "being the Uber of...". The guys also discuss SMBs; gender equality in banking and further afield; the Uber credit card; and Amazon Alexa's rib-tickling sense of humour. We had a fantastic night an we hope you did too - thanks to everyone who came to party with us, you made the night. Hope you enjoy the show and don't forget to leave us a review on iTunes! Let us know your thoughts @FintechInsiders or find us at <a href="mailto:podcasts@11fs.com">podcasts@11fs.com</a>. Special Guests: Charlie Wood, Monty Munford, and Valentina Kristensen.
Nov 06, 2017
Ep. 149. Interview: Liesbeth Rigter, MoneYou & Eric Mouilleron, Bankable
28:04
This week David talks to Liesbeth about MoneYou, an online European retail bank and subsidiary of ABN Amro. We hear the MoneYou story, including its innovative roots in mortgages and how they added more products and services to evolve with customers across the Netherlands, Belgium, Austria and Germany. Liesbeth explains MoneYou's the importance of their pioneering mentality and their target market, including their focus on empowering customers to be in control of their finances. Plus, how MoneYou engage with millennials to shape their products. David and Liesbeth are joined by Eric to explore the partnership between MoneYou and Bankable. We learn about Bankable's vision to create digital subsidiaries and why they're perceived as the friendliest fintech for incumbents. So how have MoneYou and Bankable made innovation a part of their identity? We also discuss how the best way to compete is to focus on your customers instead of competitors. And what does the future hold for Bankable? Plus: number one productivity tips (should it really be ctrl+A and delete?); the power of saying no; how to build superstar teams and keep them motivated; the strength of diversity; and best career advice. Hope you enjoy the show and don't forget to leave us a review on iTunes! Let us know your thoughts @FintechInsiders or find us at <a href="mailto:podcasts@11fs.com">podcasts@11fs.com</a>. Special Guests: Eric Mouilleron and Liesbeth Rigter.
Nov 04, 2017
Ep. 148. Live from Xerocon: part 2
28:15
We had such a great time at Xerocon 2017 and spoke to so many interesting people that we couldn't possibly give you just one episode. So here's part two, including interviews with Edward Berks, Director of Sales, Banking and Fintech at Xero, Ian Christie, CEO at Boma Technologies, Margaret Laidlaw, Partner at Mazars, Mark Sykes, Partner at BDO and Anna Curzon, Chief Partner Officer at Xero. First on today's show, David chats to Ed about Xerocon, the Xero community and their app ecosystem. We also hear from Ian about his background in advertising and marketing, and how that experience led to Boma - using machine learning in content creation. Next up, David speaks to Margaret at Mazars about how fintechs and SMEs have presented new challenges and new ways of working. Mark Sykes, head of BDODrive, talks to David about how they help businesses of all sizes to make effective decisions and how Xero help them to focus on the right information. And finally, we hear from Anna about why she has the best job as Chief Partner Officer and how Xero are rewiring economies. Plus, why are small businesses so important to the world's economies? Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at <a href="mailto:podcasts@11fs.com">podcasts@11fs.com</a> or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Anna Curzon, Edward Berks, Ian Christie, Margaret Laidlaw, and Mark Sykes.
Nov 03, 2017
Ep. 147. State of the Union 2
53:06
Sam welcomes us into the Fintech Insider flat, our temporary base while we explored this year's Sibos conference, hosted by SWIFT. He's joined by some fantastic guests - Mike Sigal from 500 FinTechs (part of 500 Startups), Dion Lisle from CapGemini, Jo Lang from IBM, and April Rudin from The Rudin Group - to talk about the state of Canadian fintech. First, the guys talk about the conference circuit and discuss their standout experiences of Sibos, including Sam's interview with Brad Garlinghouse, CEO at Ripple. We hear how Innotribe started out, and how it's evolved since then. Plus, which topics pulled the biggest crowds; how did distributed ledger technology (DLT) fare at Sibos; and why describing yourself as "the Uber of..." might just make you a moron! Are the prices in the payments industry on a race to zero? And why might banks be struggling to bank fintechs? We also hear why some fintech Blockchain "experts" might be talking, um, nonsense, and what might have been the secret to Stripe's success? And it's no surprise that we're talking about Jamie Dimon's views on Blockchain and Bitcoin once more. Think he's spot on or way off? Let us know! Plus, why talking ICOs might make Sam shoot himself. Despite that, we do speculate about the future of cryptocurrencies. The guys talk asset management, how spending patterns have changed across generations, and the transfer of wealth. Also, how have data and ethics impacted investment decisions? Enjoy the show! Spread the word, tell all your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at <a href="mailto:podcasts@11fs.com">podcasts@11fs.com</a> or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: April Rudin, Dion Lisle, Jo Lang, and Mike Sigal.
Nov 01, 2017
Ep. 146. What's the price of getting 5H1T done?
1:00:58
The guys start this week's show by tackling the Revolut founder and CEO Nikolay Storonsky's divisive view on work culture. Should employees be comfortable working 12-13 hours per day and does it make for a sustainable business? And more broadly, does this story hint at a wider issue in the fintech sector? We also discuss the Lessons Learned report from the FCA Regulatory Sandbox, which allows innovative firms to carry out live testing. We talk about what proportion of firms received investment, whether applicants, like many things, are London-centric, and why distributed ledger technology (DLT) was so popular. Plus, why are startups using DLT being denied banking services? Monzo and Starling have both moved closer to payments integration. But are services like Android Pay and Apple Pay building a significant following, or are they just a good news story for the mobile banks? Facebook Messenger has added P2P payments capability - but is PayPal still useful? And why doesn't David Brear make for a good sample population? The guys discuss the partnerships that Alipay has secured to continue expanding its reach in the US. And do members of boards at big firms really have the right digital experience to lead through technological change? N26 have decided to make the brave move of entering the US market by mid-2018; so when will other be following them? The team also talk about how N26 has marketed the benefits of network effects; and the source of regulators' fear at losing control of monetary policy. Plus, the Poppy Appeal has gone contactless; UAE appoints the first Minister for Artificial Intelligence (and why AI is red, red, red hot); childrens' financial education via Digipigi; and why the Bank of England has spent £3000 on Snapchat to promote the new £10 note. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at <a href="mailto:podcasts@11fs.com">podcasts@11fs.com</a> or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Kadhim Shubber and Sharon O'Dea.
Oct 30, 2017
Ep. 145. Insights - Transferwise Takeover
41:05
Jason and Simon are joined by Erik Edin, Product Manager in the Business Team, helping businesses to send money abroad; Helena Jaramillo, Product Designer, focussing on first-time customer experiences; Jeremy Buttner, Borderless Banking Lead; and Steve Naudé, Head of Middle East and Africa Banking, bringing the Transferwise experience to customers. We hear how Transferwise serve their customers, who their customers are, and how they’ve created a transparent charging structure for sending money abroad. Plus, why Transferwise see themselves as a financial company, and how they work with banks around the world. We also hear how securing direct access to the Faster Payments System (FPS) in the UK allowed Transferwise to create the best customer experience, and how working with the regulator in Singapore to enable online KYC. Transferwise talk us through their approach to marketing, and why transparency is so important (they’ll tell their customers when a competitor is cheaper!). Plus, the team explain the importance of partnerships in helping other firms get to grips with PSD2 and open banking. We also discuss future products, phase two of Transferwise and focussing on their niche. Plus, the Transferwise view on cryptocurrencies and the why it’s important to engage legal and compliance from the get-go. We hope you're enjoying the show - don't forget to subscribe so you never miss an episode, and we'd also love it if you could leave us a review on iTunes! Get in touch at <a href="mailto:podcasts@11fs.com">podcasts@11fs.com</a> or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Erik Edin, Helena Jaramillo, Jeremy Buttner , and Steve Naudé.
Oct 27, 2017
Ep. 144. Live from Xerocon: part 1
1:00:57
This week's special edition of Fintech Insider Insights was recorded live at Xerocon 2017 from London's Excel Centre. David hosts a panel on Frictionless Finance, discussing how technology is lowering barriers to entry and we hear how the panelists are tackling friction in finance. David talks to Caroline about Fluidly's intelligent cashflow technology and her experience at Xerocon, plus we hear from Shachar about the problem that Curve is trying to solve, connecting all cards and accounts in one app, using one card. Next up, Colin talks to us about iwoca, an online lender specialising in small businesses, and about his background in Strategy. Plus, how a partnership with Xero has fueled iwoca's growth and why Xerocon is so important to them. Stewart Roberts explains how iZettle is changing the way small businesses take payments, as well as all the things they can do after that point. Back on the panel, how does a big bank keep up with its customers' needs and why is it all about connecting people? David also asks about the big pain points for small businesses and some of the solutions, including the importance of saving time, how automation can provide that all-important peace of mind and why it's all about discovery and accessibility. And there's more - the challenges and opportunities created by open banking; how data will be used in the future; Brexit (you knew it would crop up...);the responsibility of running a marketplace; and where will SME banking be in ten years' time? Enjoy the show! Spread the word, tell all your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at <a href="mailto:podcasts@11fs.com">podcasts@11fs.com</a> or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Caroline Plumb, Colin Goldstein, Niall Cameron, Shachar Bialick, and Stewart Roberts.
Oct 25, 2017
Ep. 143. News: O Canada!
1:02:15
In a special news show this week, Sam Maule hosts all the way from Toronto, Canada, where the team have been covering the Sibos conference. The guys have another chance to discuss open banking and APIs, hot topics at Sibos this year; why value generation is seen as one of the biggest challenges posed; and how partnerships with fintech firms will help banks to find those important new sources of revenue. Sam also covers the complicated relationship between Swift, the Sibos organisers, and Blockchain at the same time that Ripple was hosting Swell, a competing event right across town. Sticking with the Blockchain theme, we talk about Bank of Canada's Sibos announcement that they're looking into applying Blockchain technology to the securities market. And in keeping with our location, we cover the launch of Marqeta, a payment processing platform, in Canada next month, and discuss why their Just-in-Time, or JIT, technology is a big draw for firms. And fintech's still hot! Or at least, that's what the latest figures on financial deals tell us. But which are the hottest prospects? And how might Wall Street defend its position against Silicon Valley? The guys round off this week's show with a look at the state of Canadian fintech. Hope you enjoy the show and don't forget to leave us a review on iTunes! Let us know your thoughts @FintechInsiders or find us at <a href="mailto:podcasts@11fs.com">podcasts@11fs.com</a>. Special Guests: Barb MacLean, Dan Eberhard, Kris Hansen, and Zac Cohen.
Oct 23, 2017
Insurtech Insider - Ep. 4: InsureTech Connect, Las Vegas
1:23:34
This week, Nigel’s fresh off the back of InsureTech Connect in Las Vegas – the largest gathering of the insurance technology world on the planet! This year, attendance jumped to 3,800 - congratulations, guys, we look forward to next time. While there, Nigel caught up with Darin Reffitt, Vice President of Marketing at Splice Software, which combines art and science to create stronger customer connections. Nigel and Darin explore the rise of voice and speech-to-speech technologies and emotionally relevant customer messages. Next up, Nigel meets Quentin Colmant, co-Founder of Qover, providing real-time insurance via open APIs. We hear how their solution allows customers to start selling insurance in five minutes. Nigel also talks to Tim Hardcastle, CEO of Instanda, a platform for insurance providers to improve product delivery. Tim talks about the lessons he’s learnt, through the dotcom boom to starting Instanda in 2012, and how the established insurers are responding to insurtech start-ups. Plus, is insurance really no different from any other consumer market? We hear from Chris Cheatham, founder and CEO of Risk Genius, whose mission is to organise the world’s insurance policy information. Chris tells us why the insurance world doesn’t really know what’s in its insurance policies and how Risk Genius is tackling the problem. And finally, Nigel sits down with Caribou Honig, Chairman and cofounder of InsureTech Connect, and cofounder of QED Investors. Caribou explains why right now might just be the most exciting time to be in insurtech. We also ask: how can incumbents evolve and is the centre ground of insurtech shifting between Europe and the US? Enjoying InsurTech Insider? Tell a friend about us, get in touch at <a href="mailto:podcasts@11fs.com">podcasts@11fs.com</a> or on Twitter @InstechInsiders, and please leave us a review on iTunes. Special Guests: Caribou Honig, Chris Cheatham, Darin Reffitt, Nigel Walsh, Quentin Colmant, and Tim Hardcastle.
Oct 20, 2017
Ep. 142. Insights: PSD2 Round Table
1:08:37
On this episode, Jason talks to: Gavin Littlejohn, Chair of the Financial Data and Technology Association that led the campaign for open banking; Mike Kelly, founder and CEO of Curl; Anita Kimber, Head of Open Banking and Innovation at Nationwide; and Matt Cox, Head of Insight and Innovation at Nationwide. We get under the skin of the second Payment Services Directive (PSD2) to ask where did it come from? Our team of experts takes us back to the beginning to explore the genesis of PSD2 in payments and account aggregation, and how this has evolved into today's regulation. Jason asks how PSD2 is progressing in the UK and how its being implemented. And is PSD2 a threat or an opportunity for incumbents? We discuss the big challenges to implementing PDS2 and how registration for start-ups will work. What do consumers make of open banking and how can firms illustrate solid use cases to communicate with them? Looking forwards, we ask how the upcoming GDPR legislation will interact with PSD2. Listen in for all this and much more on the challenges, opportunities and consequences of PSD2. Enjoy the show! Spread the word, tell all your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at <a href="mailto:podcasts@11fs.com">podcasts@11fs.com</a> or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Anita Kimber, Gavin Littlejohn, Matt Cox, and Mike Kelly.
Oct 18, 2017
Ep. 141. The future will be tokenised
54:02
What a show we have for you this week and it's a week of firsts - MJ's first time in the hot seat to host the show - on her own, no less - and our very own Benedict Shegog from the 11:FS Pulse team makes his Fintech Insider debut. So what's coming up on the show? David Cameron's back in business! US payments business, that is. The guys discuss his credentials for the job and why he might be acting like a Kardashian. Have we seen the end of the banking heyday? And why might ex-Barclays boss Antony Jenkins be saying so? We also hear about Russian bitcoin bros and Putin's views on cryptocurrencies, suggesting that Russia's central bank may be next in line to introduce regulation. We also caught up with Adam Dodds from Freetrade.io, the challenger stock broker, who shared their exciting news about achieving full FCA authorisation, and told us about their journey on the road to disrupting the stock trading industry. The team discuss Venezuela's reliance on cash and how it's stoking inflation. And how on earth will China give citizens a score based on their trustworthiness? Should they? Will they? Also on today's show: Monzo fending off one takeover offer per month; Starling's latest app feature; Zopa building a new bank; Zazu crowdfunding a digital bank; and why it's finally been shown that Siri is a simpleton! Enjoy the show! Spread the word, tell all your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at <a href="mailto:podcasts@11fs.com">podcasts@11fs.com</a> or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Benedict Shegog, Charlie Wood, Liz Lumley, and Sarah Kocianski.
Oct 16, 2017
Ep. 140. Interview: Niall Cameron, HSBC
24:10
We hear about Niall's journey to Head of Institutional and Digital at one of the world's biggest banks, including his career highlight, how to stay productive (make lists!) and the best career advice he's ever received. David asks how to find focus and prioritise in a growing digital landscape and we hear why equipping employees with the right digital skills is crucial. Niall tells us about the exciting developments in Utility Settlement Coin (USC), a fiat-backed digital currency, and how the relationship between fintech companies and established firms is evolving. Plus, how HSBC approach their work with fintech companies, why they're easier to engage with than bigger players, and how can we possibly keep up with the pace of change? Enjoy the show, leave us a review on iTunes and tell all your friends! Get in touch and join the conversation @FintechInsiders or head over to <a href="mailto:podcasts@11fs.com">podcasts@11fs.com</a>. Special Guest: Niall Cameron.
Oct 13, 2017
Ep. 139. Interview: Ron Herman, Sionic Mobile & Michael Crawford, Fifth Third
41:34
First up on this week's episode, Sam talks to Ron Herman, founder and CEO at Sionic Mobile, an Atlanta cloud-based connected commerce platform company. Sam explores their work on a connected in-car gateway, beacons and how brands can leverage their presence. Next, Sam talks to Michael Crawford from Fifth Third Bank. Michael explains Momentum, Fifth Third's new app to tackle student loan debt, and why the regional bank chose to get into fintech. They also explore Fifth Third's 'skateboard' approach to building out a product and why they set up a project team of millennials. Hope you enjoy the show and don't forget to leave us a review on iTunes! Let us know your thoughts @FintechInsiders or find us at <a href="mailto:podcasts@11fs.com">podcasts@11fs.com</a>. Special Guests: Michael Crawford and Ron Herman.
Oct 11, 2017
Ep. 138. News: The Brexit Blame Game
56:00
David's representing 11:FS without the other guys this week, but he's not alone as he's joined by Bianca Lopes, Sarah Kocianski, and Jamie Campbell to power through another packed show. First up, and straight off the back of our appearance at XeroCon, we cover Curve's partnership with Xero. Hit or miss? Let us know what you think. The team discusses Starling's launch of Business Accounts - yet another string to their bow - and has the Brexit vote hit Tandem's ability to raise money? The guys talk about two stories on Atom - contrasting their £42m loss last year to the increase in their deposits over £900m. And we discuss whether pensioners are being penalised for saving too much. Are consumers comfortable sharing their financial data and, if not, could the news derail the open banking revolution? Meanwhile, HSBC gets the jump on other large UK banks, announcing a new app to link customer accounts. Plus...Aviva invest in Wealthify, real-time payments on two continents, yet more news on Equifax, and a cryptocurrency for Ghostface Killah. Find all these stories and much, much more over at fintechinsidernews.com (https://fintechinsidernews.com). Sign up to join the discussion, spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at <a href="mailto:podcasts@11fs.com">podcasts@11fs.com</a> or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Bianca Lopes, Jamie Campbell, and Sarah Kocianski.
Oct 09, 2017
Ep. 137. Interview: Rod Drury, Founder & CEO, Xero
30:29
In this episode, Jason Bates interviews Rod Drury, finding out about his multi-skilled and impressive background which ultimately led to him founding Xero in 2006. We asked about how in his view, Xero is transforming the space for SMBs and accountants, and whether he sees Xero as a disrupter in the space. They also discuss Xero's platform, data and partnership, opportunities post PSD2 and their relationships with banks. All this comes ahead of Xero's flagship event, Xerocon, the London leg of the event that kicked off this week, and we get Rod's view on that, and how he always envisioned Xero being a globally recognised brand. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at <a href="mailto:podcasts@11fs.com">podcasts@11fs.com</a> or on Twitter @FintechInsiders and follow us on Facebook. Special Guest: Rod Drury.
Oct 06, 2017
Ep. 136. Hacks, hacks and more hacks
1:01:19
In this episode: We talk hacks, hacks and more hacks as the team take on the fallout from the Deloitte hack, the Equifax boss steps down after their hack, and CBS' Showtime gets hacked with code making user's computers mine cryptocurrency in the background as they watched their favourite shows... Phew! They also discuss more traditional Fintech Insider news stories including: Starling's latest funding round, Monzo's new integrations and Alipay's latest partnerships, this time in Scandinavia. And finally... a family of raccoons shut down a Toronto bank - you heard it here first. All that and more on today's show. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at <a href="mailto:podcasts@11fs.com">podcasts@11fs.com</a> or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Andra Sonea and Valentina Kristensen.
Oct 02, 2017
Ep. 135. Insights: Assets Management
35:01
Simon is joined by Pete Townsend founder and CEO of Norio Ventures, and Chris Mills from KPMG's Investment Management team. Today's show aims to shine a light onto Asset Management, an industry that is ripe for disruption and yet it is slightly overlooked. Simon starts from the very beginning: what is asset management? How does it work? And who are Asset Managers' clients? The guys rattle through the very basics to make asset management real and accessible before taking a look at topical queries such as why and how is the market ready for disruption? What does the future look like for asset management and how will fintech products influence this. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at <a href="mailto:podcasts@11fs.com">podcasts@11fs.com</a> or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Chris Mills and Pete Townsend.
Sep 29, 2017
Ep. 134. Fintech Insider: After Dark I
45:20
In this episode: We have a live audience, a later start than usual and plenty to drink as we dive into the week's most topical stories. First up: digital technology making financial struggles more manageable, how are the underserved or the financially unstable being catered to with fintech?, Is cash still king? And which countries are leading the race to go cashless first? We have shoutouts to our sister podcasts, InsurTech Insider - as we hear from Nigel Walsh on the top 5 changes insurers "must" make - and Blockchain Insider, as YC announces its bid to let investors invest in their startups via blockchain - is blockchain going mainstream? We get into a discussion of gender inequality in fintech, Google's mobile payments debut in India and that Equifax hack. Additionally with the help of our audience, we curated the first ever Fintech Wall of Emoji - what topics and trends did we rate and hate? All this and more on this week's very special Fintech Insider News! Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Jamie Campbell, Liz Lumley, Nigel Walsh, and Sarah Kocianski.
Sep 25, 2017
Ep. 133. State of the Union
52:36
In this episode, Sam Maule hosts a roundtable discussion about the state of fintech, banking and financial services in America right now. He is joined by special guests: Matt Harris, MD of Bain Venture Capital, Margaux Avedisian, EVP at Transform Group, Robert Barba, Senior Banking and Fintech Writer and Analyst at Bankrate, Inc., and Laura Spiekerman, co-fouder of Alloy. Between them they cover: The state of VC, is it a bubble? Will it burst? The state of crypto currency and ICOs The state of compliance The state of the media in relation to financial services, banking and fintech Thanks to all our guests for taking part! Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at <a href="mailto:podcasts@11fs.com">podcasts@11fs.com</a> or on Twitter @FintechInsiders. Special Guests: Laura Spiekerman , Margaux Avedisian, Matt Harris, and Robert Barba.
Sep 22, 2017
Ep. 132 News: iPhone Ex
1:08:28
In this episode: David and Simon are joined by the FT Alphaville's Kadhim Shubber, Fidor's Sophie Guibaud and Pete Townsend of Norio Ventures to discuss the top news stories of the last week. First up we discuss THAT Apple launch, how Apple's P2P capabilities are a little underwhelming, how Venmo's attempt to fight back against Apple Pay involves a very ugly debit card, and sticking with the theme we discuss Zelle's P2P mobile payments app that recently launched and what it means when banks club together to innovate. They also discuss whether fintech really is the fastest growing industry in the US, what it means for Jamie Dimon to slam bitcoin, is he just wrong or is it a distraction to cover up something else? Finally, they take on Monzo letting their customers decide fees for using ATMs abroad, whether 30% of bank jobs will be gone in 5 years as the CEO of Pandit claimed, and ANZ's restructuring to create 150 "startups", it sounds like nonsense but are they the first traditional bank to really understand how to be agile? Also on the show we have an exclusive interview with digital receipting startup Flux alongside Megan Cawood of Starling, all about their recent partnership and launch on Starling's Marketplace. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes! If you want to get in touch, drop us a line at <a href="mailto:podcasts@11fs.com">podcasts@11fs.com</a> or on Twitter @FintechInsiders. Special Guests: Kadhim Shubber, Matty Cusden-Ross, Megan Caywood, Pete Townsend, Sophie Guibaud, and Veronique Barbosa.
Sep 18, 2017
Ep. 131. Interview: Stephen Barclay, MP
15:41
In this episode: Jason asks Stephen about his financial services and legal background, how that adds to his current role, and what the Treasury do. He also asks him what his views are on fintech in general and UK fintech in particular, and what it means to the man on the street to enable them with their financial management and give them better services. He also highlights how fintech is changing the reputation of banking for the better. He also discusses the government's role in assisting and enabling the industry, and the uncertainty around Brexit for the industry, especially around attracting and hiring talent outside of the UK, and finally they discuss what fintechs can do for the government, and vice versa. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes! If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders. Special Guest: Stephen Barclay.
Sep 15, 2017
Ep. 130. News: How big is the Shadow Economy?
1:03:57
In this episode, Author, speaker and fintech guru Dave Birch joins David, Jason and Simon for the news, alongside Richard Davies, formerly of HSBC, about to start at TSB. We also hear from Alison Rose of RBS at their Entrepreneurial Spark event. This week they discuss what Google's banking app might look like; First Direct repositioning itself because great customer service is no longer a differentiator; is India really overtaking China in fintech adoption? What's the truth behind the "big number" Deutsche Bank staff being replaced by robots, according to their CEO? And could this have been publicised better? As Portugal bans large cash payments we discuss stashes, hoards and how big is the Shadow Economy? As ING promotes itsme in Belgium they discuss who do we trust most with our data? AliPay Smile launches in China proving that electronic face recognition is better than humans and the perfect marketing strategy vis innovation that has been executed here. And finally, following Sam Maule's lead, which song matches these stories best? Check out our Spotify playlist to listen to the ones the team chose and see if you agree! https://open.spotify.com/user/11fs/playlist/4JGfsBeULjw5xHf16zStCO As always, find all the news stories in this episode and many more at fintechinsidernews.com, follow us on Facebook, and don't forget to subscribe so you never miss an episode and we'd also love it if you could leave us a review on iTunes! Special Guests: Dave Birch and Richard Davies.
Sep 11, 2017
InsurTech Insider - Ep 3. The data economy and new business models
47:40
In this episode: David and Nigel are joined by three fantastic guests: Jean-Stephane Gourevich, professional advisor and InsurTech guru, Luca Schnettler founder of Healthy-Health and Erik Abrahamsson, CEO and founder of Digital Fineprint. We kick things off with a debate about how the data economy disrupting the insurance sector and creating new product/business models and what that means for InsurTech and both our guests' companies. They discuss: the importance of collaboration and the value of personal data; millennials' view on data sharing - is it as laissez-faire as we believe?; and the impact regulation may have on insurtech when it comes. In the news section they talk through £218M investment in insurtech in H1 2017 alone and what this means for the industry, drone footage analysis to help insurers; greater European Insurtech partnerships as a result of Brexit, and the bizarre correlation between insurance claims and the Great British Bakeoff! Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes! If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @instechinsider. Special Guests: Erik Abrahamsson, Jean-Stephane Gourevitch, Luca Schnettler, and Nigel Walsh.
Sep 08, 2017
Ep. 129. News: Double Ether and Cheese
1:00:10
In this episode: Monty Munford and Sarah Kocianski join Jason Bates, Simon Taylor and David Brear for this week's news show. They discuss how cultural fit might be hurting Fintech Companies and how banks should be working with Fintechs. Whether phone keyboards the gateway to smoother payments or should we also just be using Amazon Cash instead? Canadians get into the personalised banking game and the podcast crew take on Whoppercoin. All this and healthy dose of stories from Monty on this weeks Fintech Insider News. As always, find all the news stories in this episode and many more at fintechinsidernews.com, follow us on Facebook, and don't forget to subscribe so you never miss an episode and we'd also love it if you could leave us a review on iTunes! Special Guests: Monty Munford and Sarah Kocianski.
Sep 04, 2017
Ep. 128. Interviews - Start up Spotlight
33:38
In today’s episode we’re shining a light on new, smaller startups in the fintech industry as Meaghan Johnson interviews Caroline Plumb, founder of Fluidly, a new fintech startup - transforming the way businesses plan and manage their money, launching this October. Later on she also speak to Jonathan Lister and Jasper Martens, CTO and VP of Marketing at PensionBee, which aims to make pensions simpler and accessible to all by easily combining all your old pensions into one new online plan. Don’t forget to subscribe to the podcast so you never miss an episode. If you want to get in touch you can find us on our Fintech Insider Facebook page or follow us on Twitter @FintechInsiders. Thanks for listening!
Sep 01, 2017
Ep. 127. News: Mauled
52:43
In this episode: Sam Maule is joined by David Brear, Jason Bates and Simon Taylor for this week's news show. They discuss: the possibility of US banks making a massive profit if deregulation goes ahead, and at what cost to the consumers?; Co-op Bank's stake falls to just 1%, what happens to the 4M loyal customers who buy into Co-op's ideals if only 1% is still managed by them?; As Barclays allowed customers to make payments via Siri is this actual innovation from them? And is this a huge step forward in accessibility to banking for the handicapped? They also talk through TransferWise's next funding raise and how they properly "get" marketing, Google and Walmart team up to take on Amazon, N26's first 500k customers, and how porn can be an innovative force in banking. Also, if all these news stories were a song, which song would they be? See if you agree with the team's suggestions. As always, find all the news stories in this episode and many more at fintechinsidernews.com, follow us on Facebook, and don't forget to subscribe so you never miss an episode and we'd also love it if you could leave us a review on iTunes!
Aug 29, 2017
Ep. 126 Interview - Beth Knickerbocker, CIO, OCC
19:54
In this episode: Beth tells Simon what the OCC is and what it does, with particular reference to the American dual-banking system and how she became a part of it. We also find out what the OCC is doing to embrace and promote financial innovation and the challenge of balancing that with regulation. To find out more about Beth and the work of the OCC, visit OCC.gov, or email innovation@occ.treas.gov We hope you're enjoying the show - don't forget to subscribe so you never miss an episode, find all the news stories and many more at fintechinsidernews.com, follow us on Facebook, and we'd also love it if you could leave us a review on iTunes! Special Guest: Beth Knickerbocker.
Aug 25, 2017
Ep. 125. News: Are you bad when you're big?
1:04:58
In another packed episode we have a full house of hosts as David, Jason and Simon are joined by global fintech commentator and Girl, Disrupted, Liz Lumley; Editor-in-Chief of Fintech Finance, Ali Paterson; and Capco's Principal Consultant, Charlie Wood. The team discuss WhatsApp adding payment features; First Direct coming consistently top of a customer service poll, and the bigger banks always come last - we discuss if there's a correlation between the size of the bank and their market share and the poor quality of customer service? (are you bad when you're big?); and most topically, what responsibility does PayPal have over KKK donations via their service? And how do you find a middle ground between censoring free speech and social responsibility? They also take on start up shopping; retraining and up-skilling versus job cutting; pocket money startups; and turning trash into tokens in Amsterdam. We also have an interview with James Lloyd, Asia-Pacific Fintech Leader at EY, all about the Chinese fintech and Alipay stories that have been making headlines this week. We hope you're enjoying the show - don't forget to subscribe so you never miss an episode, find all the news stories and many more at fintechinsidernews.com, follow us on Facebook, and we'd also love it if you could leave us a review on iTunes! Special Guests: Ali Paterson, Charlie Wood, James Lloyd, and Liz Lumley.
Aug 21, 2017
Ep. 124 Insights - Starling Bank Takeover
45:04
In this episode: Megan Caywood, Chief Platform Officer, Jason Maude, Head of Customer Analytics and Sarah Guha, Product Director at Starling are joined by David Brear and Simon Taylor for a round table discussion about all things Starling Bank! Megan, Sarah and Jason fill us in on what Starling Bank does right now and it's aim to be the best current account in the industry. They also talk about the beginning of their global expansion, their start up mentality, their total focus on innovation and improvement, and the hurdles of rapid scaling. They also discuss their Marketplace product and some key partnerships as part of that, and how they're making a head start on PSD2. For more information visit StarlingBank.com or follow them on Twitter @StarlingBank. We hope you're enjoying the show - don't forget to subscribe so you never miss an episode, and we'd also love it if you could leave us a review on iTunes! Special Guests: Jason Maude, Megan Caywood, and Sarah Guha.
Aug 18, 2017
Ep. 123. News: Data is the new oil
1:03:46
In this episode: In an episode packed full of guests and news, we kick off with Tandem's takeover of Harrods bank - where did they get the money and what's their next move? Next up is Australia's latest move to make bitcoin an official currency as they continue to fight to become a leader in blockchain, and is bitcoin the key to Chinese investment? Are Monzo the friendliest bank in Britain as yet again they reap praise from open, honest and prompt user communications following another outage. Are SoftBank vying to become the first investor to fund multiple world dominating companies? Are they the best at spotting new unicorns? They also talk Chinese giants - WeChat and Alipay as Chinese banks look to regulate fintechs, and is data the new oil? Reliable data that can be shared, is the new commodity companies want in on. And finally, what is ethical hacking? All this and more in this week's show. We hope you’re enjoying FinTech Insider – don’t forget to tell a friend about us and please leave us a review on iTunes. Special Guests: Andrew Ellis, Sameer Chishty, and Sarah Kocianski.
Aug 11, 2017
Ep.122. Interview - Phillip Keller & Harley Morlet, Tail
22:14
In this episode: Meaghan Johnson interview Phillip Keller and Harley Morlet, CEO and co-founder of Tail respectively. Tail is a rewards platform designed for open banking APIs. Tail provides exclusive offers for Starling and Monzo card holders such as cash back on purchases made with their Starling or Monzo cards and other offers such as discounts on dining out. We ask them about Tail's origin story, what the main pain points were with getting off the ground and what their future plans are. We also ask them what they think the future holds with open banking and which challengers they'd most like to work with next. We hope you’re enjoying FinTech Insider – don’t forget to tell a friend about us and please leave us a review on iTunes.
Aug 11, 2017
InsurTech Insider - Ep. 2 Serial disruption
29:34
In this episode David and Nigel discuss the latest news and trends in insurtech, including the trend of "serial disruptors" - talent moving away from incumbents to create start ups to fix issues with incumbents' services, as TechCrunch runs more insurtech stories lately, is this the start of insurtech going mainstream? They also talk drone insurance and are smart helmets the new frontier of insurtech? And the personalisation of data and risk to ensure that people are not tarred by tied stereotypes, such as young male drivers being more unreliable than any other demographic. Additionally, as Brolly raise over £1M in funding, we have an interview with their CEO Phoebe Hugh to discuss the latest innovations at Brolly and what they're looking to do longterm. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes! Special Guests: Nigel Walsh and Phoebe Hugh.
Aug 09, 2017
Ep. 121. News: Amazon is Everywhere
48:07
In this episode: First up: Amazon is everywhere, should banks be concerned?, and is Amazon more of a threat than Trump? They also talk AI as RBC launches Siri bill paying functionality and USAA launches a pilot on Alexa. Klarna launches P2P product, Wavy, a rival to ABN AMRO's Tikkie but they have 'Pan-European' capabilities that could make them more influential. Alipay's European expansion continues, and the team discuss the scale of growth in Asia, as South Korean bank Kakao gains 800,000 customers in 4 days and it's not viewed as especially notable. They also debate the potential post-Brexit banking exodus and the wider impact of that on the British economy. And finally, as Andy Murray supposedly invests in Revolut, we talk about the impact of celebrity endorsement on fintechs. Special Guests: Andra Sonea and Tanya Andreasyan.
Aug 04, 2017
Ep. 120. Interview: PwC Financial Wellness Report
19:06
In this episode: David interviews Robert Churcher, the author of the Financial Wellness Report and they discuss the growing challenges of financial wellness in today's climate, and the importance of education to help people understand their current financial position, their long term goals and how to achieve them. Advice is also critical, particularly contextual advice that is relative to an individual to help them independently manage their finances and to have confidence in investing. They discuss what the future will look like, especially for young professionals and the different products and services available to them. For further information read the report in full: http://www.pwc.co.uk/financial-services/fintech/assets/boosting-young-professionals-financial-wellness.pdf
Aug 04, 2017
Ep.119. Insights - NFI (Nordic Finance Innovation)
1:12:28
In this episode: We bring you the highlights from an event we attended, organised by NFI, in Scandinavia, where we heard from co-founders and CEOs from some of the most up and coming fintech firms, including Bud, Solaris and Clear Bank, and our very own NED, Chris Skinner. Guests: Edward Maslaveckas - CEO and co-founder, Bud Marko Wenthin - Board Member, Solaris Nick Ogden - Executive Chairman, ClearBank Chris Skinner - Non-Executive Director, 11:FS We hope you’re enjoying FinTech Insider – don’t forget to tell a friend about us and please leave us a review on iTunes.
Aug 02, 2017
Ep.118. News: Tokenaires and the Spiral of Complacency
59:39
In this episode: The team discuss: Revolut's massive crowd-funding pledges - but what will they do with the money?; Musk vs Zuckerberg on the future of AI; Transferwise's team-up with Apple Pay; and alternative credit scoring as Aire get a deal with Zopa. We also have an exclusive interview with Innovate Finance’s CFO, Abdul Haseeb Basit about their H1 Fintech Investment report. We also talk more bad news for Lloyds as they are forced to pay yet another fine; is too much reliance on consumer credit taking us into the next recession?; and finally, Sweden's government leaks critical information of nearly the entire country. You can find all of these stories and more over at fintechinsidernews.com, sign up now to join the discussion! We hope you’re enjoying FinTech Insider – don’t forget to tell a friend about us and please leave us a review on iTunes. Special Guest: Sarah Kocianski.
Jul 31, 2017
Ep. 117. Interview: Tim Schaefer Northwestern Mutual
30:14
In this episode: David Brear interviews Tim Schaefer about his 29 years at Northwestern Mutual, starting as an entry level, programmer, all the way up to his current role as EVP. Tim takes us through how Northwestern Mutual are embracing technological and cultural changes, team structures and digital products to establish excellence in the space, all tied to driving great customer experience. We hope you’re enjoying FinTech Insider – don’t forget to tell a friend about us and please leave us a review on iTunes.
Jul 28, 2017
Ep.116. Insights – Live from TNW 2017
59:38
<h2>In this episode:</h2> <p><span>We bring you the highlights from The Next Web Conference 2017 in Amsterdam, where we spoke to some fantastic guests – including actual </span><span>royalty – Prince Constantijn of the Netherlands, who speaks to Aden Davies about his new role as a special envoy for StartUpDelta2020.</span></p> <p>Additionally we have <span>Max Brenssell, International Associate at n26 on their plans for expansion to the UK, followed by Ben Hammersley, of Wired about his views on AI and the impact it’ll have on the jobs market;</span><span> Boris Veldhuijzen van Zanten CEO and co-founder of this very event, TNW 2017, talking about The Next Web and what we can look forward to in 2018, followed by Marc Teerlink Chief Business strategist at IBM.</span></p> <p><span>Aden also chats Reshma Sohoni, Co-founder of Seedcamp straight offstage from giving her speech, and Kathryn Myronuk the Synthesis &amp; Convergence Faculty Lead at Singularity University discussing the fantastic work that they do.</span></p> <h2>Guests:</h2> <ul> <li> <a href="https://www.linkedin.com/in/max-brenssell-2a9a09b2/">Max Brenssell </a>– N26 – International Associate</li> <li> <a href="https://www.linkedin.com/in/mrbenhammersley/">Ben Hammersley</a> – Wired – Futurist &amp; Writer</li> <li> <a href="https://www.linkedin.com/in/borisvvz/">Boris Veldhuijzen van Zanten</a> – TNW – CEO and co-founder</li> <li> <a href="https://www.linkedin.com/in/marcteerlink/">Marc Teerlink</a> – IBM – Chief Business strategist</li> <li> <a href="https://www.linkedin.com/company-beta/9234983/">Prince Constantijn of the Netherlands</a> – Startup Delta – Special Envoy</li> <li> <a href="https://www.linkedin.com/in/reshmasohoni/">Reshma Sahoni</a> – Co-Founder &amp; Partner – Seedcamp</li> <li> <a href="https://www.linkedin.com/in/kathrynmyronuk/">Kathryn Myronuk</a> – Synthesis &amp; Convergence Faculty Lead – Singularity University</li> </ul> <p> </p> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/episode-116-insights-live-tnw-2017/">Episode 116. Insights – Live from TNW 2017</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p> Special Guests: Ben Hammersley, Boris Veldhuijzen van Zanten, Marc Teerlink, and Reshma Sohoni.
Jul 26, 2017
Ep. 115. News: buying jewellery from a bank?
1:13:05
<h2>In this episode:</h2> <p>David, Jason and Simon are joined for this week’s show by news show regulars Liz Lumley and Kadhim Shubber.</p> <p>First up Jason guides the team through recent current account announcements from both Monzo and Starling – are they the hipsters of fintech?, Are they racing each other to release products?, and is there not room enough in the industry for both? They myth-bust the “tech-focus” of BNY Mellon’s new CEO; why “tech” is the tag everyone seems to covet – but saying it does not make it so; Kadhim introduces everyone to Shingy (<a href="http://www.shingy.com/">shingy.com</a>) and was the FCA’s faulty currency convertor tools deliberate or an honest mistake?</p> <p>As Barclays start giving away BPay bands for free they debate whether wearable alternatives to wallets are really a thing? And if they are, should you pay for them?</p> <p>David also chats with David Geale of the FCA on their <span>latest cohort for the regulatory sandbox.</span></p> <h2>Guests:</h2> <ul> <li> <a href="https://www.linkedin.com/in/elizabethlumley/">Elizabeth Lumley</a> FinTech commentator &amp; Author of <a href="http://girl-disrupted.com/">girl-disrupted.com</a> </li> <li> <a href="https://www.linkedin.com/in/kadhim/">Kadhim Shubber</a>, Reporter at Financial Times</li> <li> <a href="https://www.linkedin.com/in/david-geale-516a3023/">David Geale</a> – Director of Policy, FCA</li> </ul> <h2>News this week:</h2> <ol> <li> <b>Finextra </b><span>– Monzo taking it slowly as first limited-edition current accounts come onstream- </span><a href="https://www.finextra.com/newsarticle/30843/monzo-taking-it-slowly-as-first-limited-edition-current-accounts-come-onstream"><span>Link</span></a><span> </span> </li> <li> <b>Starling Bank YouTube</b><span> – Starling goes live with Apple Pay – </span><a href="https://www.youtube.com/watch?v=fUBzzLb33DQ&amp;feature=youtu.be"><span>Link</span></a> </li> <li> <b>Finextra</b><span> – Paypal partners with Samsung Pay – </span><a href="https://www.finextra.com/pressarticle/70079/paypal-partners-samsung-pay"><span>Link</span></a> </li> <li> <b>Bloomberg</b><span> – BNY Mellon appoints tech-focused Charles Scharf as its CEO – </span><a href="https://www.bloomberg.com/amp/news/articles/2017-07-17/bank-of-new-york-mellon-names-scharf-ceo-replacing-hassell"><span>Link</span></a> </li> <li> <b>Finextra </b><span>– FCA issues warning over misleading currency converter tools – </span><a href="https://www.finextra.com/newsarticle/30856/fca-issues-warning-on-misleading-currency-converter-tools?utm_medium=newsflash&amp;utm_source=2017-7-19"><span>Link</span></a><b></b> </li> <li> <b>Business Insider</b><span> – Ratesetter has £80m of loans go bad – </span><a href="http://uk.businessinsider.com/ratesetter-takes-over-companies-bad-loans-provision-fund-2017-7"><span>Link</span></a> </li> <li> <b>City AM </b><span> – Barclays to give away “BPay” bands for free – </span><a href="http://www.cityam.com/268725/barclays-bpay-20-contactless-pay-wristband-given-away-free"><span>Link</span></a><b></b> </li> <li> <b>FT</b><span> – Tech “start-ups” raise $1.3Bn from “ICOs” </span><a href="https://www.ft.com/content/1a164d6c-6b12-11e7-bfeb-33fe0c5b7eaa"><span>Link</span></a><b></b> </li> <li> <b>Guardian</b> – End of the ‘rip-off’: all charges for paying by card to be banned – <a href="https://www.theguardian.com/money/2017/jul/19/charges-paying-card-banned-flights-tax-bills">Link</a> </li> <li> <b>Chicagotribune </b><span>–  Man robs bank while 4 children wait outside in SUV – </span><a href="http://www.chicagotribune.com/news/local/breaking/ct-fbi-charge-man-in-bank-robbery-20170712-story.html"><span>Link</span></a> </li> </ol> <p>The post <a href="https://11fs.com/podcasts/episode-115-news-buying-jewellery-bank/">Episode 115. News: buying jewellery from a bank?</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p> Special Guests: David Geale, Kadhim Shubber, and Liz Lumley.
Jul 24, 2017
Ep. 114. Interview – Mariano Belinky & Shachar Bialick
38:33
<h2>In this episode</h2> <p>Jason Bates and David Brear interview Mariano Belinky,  <span>Managing Partner of Santander InnoVentures </span>and Shachar Bialick, CEO of Curve, following the announcement last week of Santander’s recent investment in Curve,<span> in an expansion of their growing fintech portfolio</span><span>.</span></p> <p>They discuss how InnoVentures fits into Santander’s digital approach, and what the investment of Curve and two other fintechs brings them, the longterm business plan of Curve and how Santander’s investment will help them achieve this.</p> <p>They also talk APIs, open banking and what our guests’ views on upcoming PSD2 directives are.</p> <p>Find out more about Santander InnoVentures <a href="http://santanderinnoventures.com/santander-innoventures-adds-two-new-uk-and-one-us-fintech-businesses-to-its-portfolio/">here</a> and Curve at <a href="http://imaginecurve.com">imaginecurve.com</a></p> <p>Learn more about Mariano by connecting on <a href="https://www.linkedin.com/in/mbelinky/">LinkedIn</a> or follow him on <a href="https://twitter.com/belimad">Twitter</a>, and you can also find Shachar on <a href="https://www.linkedin.com/in/shacharbialick/">LinkedIn</a> or on <a href="https://twitter.com/ShacharBialick">Twitter</a>.</p> <p>We hope you’re enjoying FinTech Insider – don’t forget to tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep-114-interview-mariano-belinky-shachar-bialick/">Ep. 114. Interview – Mariano Belinky &amp; Shachar Bialick</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p> Special Guests: Mariano Belinky and Shachar Bialick.
Jul 21, 2017
InsurTech Insider Ep1. – InsurTech 101
48:18
<p>InsurTech Insider is a new show in the 11Media network, hosted by David Brear and co-host Nigel Walsh, of Deloitte, dedicated to all things insurtech.</p> <p>In Nigel’s words “there’s no better time to be in insurance” – and both he, David and their special guests will take you through the trends, changes and news stories, and the new startups, disruptors and technology in the insurance industry right now.</p> <p>Fittingly for our very first episode, the guys discuss exactly what is InsurTech? Is it just “fintech’s little brother” – or so much more than that? We find out the 101.</p> <p>They also discuss how much data is too much?; the importance of incumbent and insurtech relationships, the education of customers, and the overall shift in the industry from price and product to value and service.</p> <h2>Guests:</h2> <ul> <li> <a href="https://www.linkedin.com/in/nigelwalsh/">Nigel Walsh</a> – partner at Deloitte, with focus on InsurTech, Technology Transformation and Digital</li> <li> <a href="https://www.linkedin.com/in/ben-green-76141560/">Ben Green</a> – Digital Director, Tock Insurance</li> <li> <a href="https://www.linkedin.com/in/freddy-macnamara-10268125/">Freddy McNamara</a> – CEO and Founder of Cuvva.</li> </ul> <p>Keep an eye out for Episode 2, coming soon!</p> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/insurtech-insider-ep1-insurtech-101/">InsurTech Insider Ep1. – InsurTech 101</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p> Special Guests: Ben Green, Freddy Macnamara, and Nigel Walsh.
Jul 19, 2017
Ep. 113 News: Is Cash Dying?
50:13
<h2>In this episode</h2> <p>In a fun packed episode, David is joined by regular guest Ghela Boskovich, alongside <span>Edward Maslaveckas, J</span><span>eff Tijssen and </span><span>Gabrielle Inzirillo, who made her Fintech Insider debut, having only just stepped off the Eurostar from Paris.</span></p> <p>The team discuss whether or not cash transactions are dying out in the UK thanks to the convenience of contactless payments – (1/3 of all card transactions are now contactless) – and the UK’s reduction in reliance on credit cards overall. Conversely, on the other side of the pond the US are now “hooked on credit”, is this the result of glamorous loyalty programmes or poor financial education?</p> <p>They also debate whether or not the UK cares about challenger banks; what the implications are of Stripe going after the Chinese market with integration of Alipay; US’s reluctance to adopt APIs; Revolut’s move to take on the Asian market following major investment; and how freaked out you’d be if your ATM started sending you handwritten messages, along with much more.</p> <h2>Guests</h2> <ul> <li><span><a href="https://www.linkedin.com/in/ghelaboskovich/">Ghela Boskovich</a> – Founder and Global Ambassador, FemTech</span></li> <li><span><a href="https://www.linkedin.com/in/edmas/">Edward Maslaveckas</a> – CEO and Co-founder, Bud</span></li> <li><span><a href="https://www.linkedin.com/in/jeffreytijssen/">Jeff Tijssen</a> – Head of Fintech and Partnerships, Capco</span></li> <li><span><a href="https://www.linkedin.com/in/gainzirillo/">Gabrielle Inzirillo</a> – Founding Member, BNP Paribas, Plug and Play</span></li> </ul> <p>News this week</p> <ol> <li> <b>Business Insider </b><span>– </span><span>UK card payments overtake cash, but less bought on credit</span><a href="https://fintechinsidernews.com/out?url=http%3A%2F%2Fuk.businessinsider.com%2Fuk-card-payments-overtake-cash-credit-2017-7"><span> – Link</span></a><span> –</span> </li> <li> <b>Business Insider</b><span> – America is hooked on credit cards — and it’s pretty clear why – </span><span><a href="http://uk.businessinsider.com/why-credit-cards-more-popular-than-debit-cards-2017-6/#forty-percent-of-respondents-from-the-tsys-study-picked-credit-cards-as-their-favorite-form-of-payment-followed-by-debit-cards-35-and-cash-11-credit-cards-have-been-gaining-on-debit-cards-for-several-years-now-1">Lin</a>k</span> </li> <li> <b>Finextra</b><span> – Brits unmoved by new digital challengers – </span><span><a href="https://www.finextra.com/newsarticle/30808/brits-unmoved-by-new-digital-challengers">Link</a></span> </li> <li><b>Guardian – <span>Lloyds Bank brings in single overdraft rate in radical shake-up – </span><span><a href="https://www.theguardian.com/business/2017/jul/12/lloyds-bank-brings-in-single-overdraft-rate-in-radical-shake-up">Link</a></span></b></li> <li> <b>Tech Crunch –</b><span> Confirmed: London fintech Curve raises $10M Series A – </span><a href="https://techcrunch.com/2017/07/11/funding-curve/"><span>Link</span></a><span> </span> </li> <li> <b>Business Insider – </b><span>Worldpay shares drop sharply after it agrees a £9.1 billion deal with Vantiv – </span><a href="http://uk.businessinsider.com/worldpay-close-to-8-billion-vantiv-merger-ft-reports-2017-7"><span>Link</span></a> </li> <li> <b>Finextra –</b><span> HSBC and Barclays join EU project to test the use of digital IDs for cross-border banking- </span><a href="https://www.finextra.com/newsarticle/30814/hsbc-and-barclays-join-eu-project-to-test-the-use-of-digital-ids-for-cross-border-banking?utm_medium=newsflash&amp;utm_source=2017-7-11"><span>Link</span></a> </li> <li> <b>Tech Crunch</b><span> – Stripe adds support for Alipay and WeChat Pay, China’s top digital payment services- </span><a href="https://techcrunch.com/2017/07/09/stripe-alipay-wechat-pay/"><span>Link</span></a><span> </span> </li> <li> <b>Finextra</b><span> – Nacha sets sights on standardised APIs – </span><a href="https://www.finextra.com/newsarticle/30801/nacha-sets-sights-on-standardised-apis"><span>Link</span></a><span> </span> </li> <li> <b>BBC News</b><span>–  RBS agrees £3.65bn settlement over risky mortgages in US – </span><a href="http://www.bbc.co.uk/news/business-40584399"><span>Link</span></a><span> </span> </li> <li> <b>CNBC</b><span> –  Revolut raises $66 million in venture capital investment; eyes expansion in Asia &amp; US- </span><a href="https://www.cnbc.com/amp/2017/07/12/revolut-raises-66-million-in-venture-capital-investment-eyes-expansion-in-asia-us.html"><span>Link</span></a> </li> <li> <b>Guardian</b><span> – Texas man trapped inside ATM rescued after passing notes through receipt slot – </span><a href="https://www.theguardian.com/us-news/2017/jul/13/texas-man-atm-bank-of-america-escape"><span>Link</span></a> </li> </ol> <p>The post <a href="https://11fs.com/podcasts/ep-113-news-cash-dying/">Ep. 113 News: Is Cash Dying?</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p> Special Guests: Edward Maslaveckas , Gabrielle Inzirillo, Ghela Boskovich, and Jeff Tijssen.
Jul 17, 2017
Ep. 112. Interview – Laurent le Moal, CEO, PayU
16:06
<h2>In this episode</h2> <p>Jason Bates interviews Laurent le Moal, CEO of PayU, the leading online payments provider, dedicated to growth markets, at Money20/20 Europe in Copenhagen.</p> <p>PayU’s primary focus is to help merchants accept payments and they operate in a wide range countries around the world including India, Latin America, Turkey and Russia. Laurent tells us that PayU currently manage an incredible 250 different ways to accept payments – including globally recognised cards, regional payment schemes, bank based accounts, legacy systems based on cash. Their focus being on digital transactions and they process 60% of all e-commerce transactions in India alone.</p> <p>Laurent and Jason discuss PayU’s existing huge market share and their plans for expansion into further digital payment products to serve consumers based around credit scoring in less developed countries. They also debate fintech changes and developments worldwide and where the trends are coming from, and where to watch for future investment opportunities.</p> <p>For more information on Laurent, connect with him on <a href="https://twitter.com/laurentlemoal">Twitter</a> or <a href="https://www.linkedin.com/in/laurentlemoal/">LinkedIn</a> or check out <a href="https://corporate.payu.com/">PayU.</a></p> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep-112-interview-laurent-le-moal-ceo-payu/">Ep. 112. Interview – Laurent le Moal, CEO, PayU</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p> Special Guest: Laurent Le Moal.
Jul 14, 2017
Ep. 111. Insights: Money20/20 Europe, Part 2
36:42
<h2>In this episode:</h2> <p>We bring you the second roundup of  highlights from Money20/20 Europe in Copenhagen.</p> <p>We caught up with some fascinating guests, speakers and interviewees; starting with the founder of Moola and ITV’s resident Money Expert, Gemma Godfrey, who chatted to Simon about Moola – the online investment services she founded to help people invest their money easily and intuitively, and her time as an adviser to Arnold Schwarzernegger on The Celebrity Apprentice USA. Jason then catches up with Marko and Nigel from Solaris who give us an exclusive announcement of their new partnership; followed by Jaidev Janardana, the CEO of Zopa who discusses Zopa’s expansion from P2P lending to marketplace lending, and the company’s overall evolution since its launch in 2005.</p> <p>Jason also speaks to Jack Harris of Wirecard, a German-based company who collaborate with start ups and fintechs to empower them using Wirecard’s own banking licence; Jack tells Jason about their plans for future development and their global aspirations. Next up, Simon chats to Amy Neal from Mastercard about their engagement with startups and the 6 new startups they’ve just partnered with, including Tonetag who are introducing sound-based contactless payments. Finally, Meaghan interviews Pranay Jain, CEO of Enterprise Bot who are revolutionising customer service using AI to humanise response systems.</p> <h2>Guests:</h2> <ul> <li> <a href="https://www.linkedin.com/in/gemmagodfrey/">Gemma Godfrey</a> – Founder, Moola and ITV’s Money Expert</li> <li> <a href="https://www.linkedin.com/in/markowenthin/">Marko Wethin</a> – Board Member, Solaris</li> <li> <a href="https://www.linkedin.com/in/jaidev-janardana-a4071b3/">Jaidev Janarnada</a> – CEO, Zopa</li> <li> <a href="https://www.linkedin.com/in/jack-harris-8a28686/">Jack Harris</a> – Vice President, Financial Institutions &amp; Fintech, Wirecard</li> <li> <a href="https://www.linkedin.com/in/nealeamy/">Amy Neal </a>– VP and Senior Business Lead, Mastercard</li> <li> <a href="https://www.linkedin.com/in/kbpranay/">Pranay Jain</a> – CEO, Enterprise Bot</li> </ul> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <div class="nc_socialPanel swp_flatFresh swp_d_fullColor swp_i_fullColor swp_o_fullColor scale-100 scale-fullWidth swp_one"></div> <p>The post <a href="https://11fs.com/podcasts/ep-275-insights-money2020-europe-part-2/">Ep. 111. Insights: Money20/20 Europe, Part 2</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p> Special Guests: Amy Neale, Gemma Godfrey, Jack Harris, Jaidev Janardana, Marko Wenthin, and Pranay Jain.
Jul 12, 2017
Ep. 274. News: Digitising Pocket Money
59:56
<h2>In this episode</h2> <p>David and Simon are joined by regular Sarah Kocianski, and RFi and Sky News Australia’s Chloe James, who makes her Fintech Insider  debut, for this week’s news.</p> <p>First up, they discuss the pros and cons of “screen-scraping” – do banks only want open banking on their terms and to pick and choose the bits of it they want?; is it right that challengers only get one representative at the Open Banking Initiative- and is Atom really a challenger bank?;  and is a CIO title unnecessary?  You can’t innovate in a silo, it needs to go company wide, nor can one person or department “own” innovation, that only creates turf wars.</p> <p>There are also strong views on the ‘culture of harassment’ for women in tech as reported by the New York Times and how sad it is that this culture already permeates an industry that’s so young. The necessity of speaking up to shatter unconscious bias in the industry is paramount.</p> <p>They also take on Danske Bank’s pocket money app to allow parents the ability to digitise pocket money for their children and have an online overview of what they do with it – could this be a key to improved financial education for children?</p> <p>The team also reflect on the ‘changing of the guard’ at Tesco Bank as their CEO steps down after 10 years; on MBank putting themselves forward as a template for others as they licence their tech platform, and on Tide’s $14M raise from the same backers as Spotify – can they now live up to their hype of being the “Monzo of business”?</p> <h2>Guests</h2> <ul> <li> <a href="https://www.linkedin.com/in/sarahkocianski/">Sarah Kocianski</a>, Senior Research Analyst Fintech at Business Insider UK</li> <li> <a href="https://www.linkedin.com/in/chlo%C3%A9-james-95844536/">Chloe James </a>– Group Media Director – RFi Group &amp; Presenter at Sky News Australia</li> </ul> <h2>News this week</h2> <ol> <li> <span><strong>Finextra</strong> – EBA rejects Commission amendments on screen scraping under PSD2 – </span><a href="https://www.finextra.com/newsarticle/30772/eba-rejects-commission-amendments-on-screen-scraping-under-psd2"><span>Link</span></a> </li> <li> <span><strong>Open Banking</strong> – Atom Bank CEO Joins Open Banking Initiative As Challenger Bank Representative – </span><a href="https://www.openbanking.org.uk/2017/06/30/atom-bank-ceo-joins-open-banking-initiative-challenger-bank-representative/"><span>Link</span></a> </li> <li> <span><strong>Finextra</strong> – HSBC hires Diana Biggs to lead business model innovation – </span><a href="https://www.finextra.com/newsarticle/30755/hsbc-hires-biggs-to-lead-business-model-innovation"><span>Link</span></a> </li> <li> <b>Bloomberg</b><span> – T</span><span>esco Bank Says Chief Executive Higgins to Retire Next Year</span><span> –<a href="https://fintechinsidernews.com/out?url=https%3A%2F%2Fwww.bloomberg.com%2Fnews%2Farticles%2F2017-07-04%2Ftesco-bank-says-chief-executive-higgins-to-retire-next-year%3Fcmpid%3Dsocialflow-twitter-business%26utm_content%3Dbusiness%26utm_campaign%3Dsocialflow-organic%26utm_source%3Dtwitter%26utm_medium%3Dsocial"> Link</a></span> </li> <li> <span><strong>Techcrunch</strong> – Curve now lets you ‘go back in time’ and switch the card you paid with retroactively – </span><span><a href="https://techcrunch.com/2017/07/03/back-to-the-future/">Link</a></span> </li> <li> <span><strong>FinTech Insider News</strong> –  </span><span>Poland’s mBank to license tech platform to third party financial institutions – <a href="https://fintechinsidernews.com/out?url=https%3A%2F%2Fwww.finextra.com%2Fnewsarticle%2F30738%2Fpolands-mbank-to-license-tech-platform-to-third-party-financial-institutions%3Futm_medium%3Drss%26utm_source%3Dfinextrafeed">Link</a></span> </li> <li> <span><strong>FinTech Insider News</strong> – </span><span>Danske Bank develops pocket money app – move over Osper / GoHenry – <a href="https://fintechinsidernews.com/out?url=https%3A%2F%2Fwww.finextra.com%2Fnewsarticle%2F30768%2Fdanske-bank-develops-pocket-money-app">Link</a></span> </li> <li> <span><strong>New York Times</strong> – Women in Tech Speak Frankly on Culture of Harassment – </span><a href="https://mobile.nytimes.com/2017/06/30/technology/women-entrepreneurs-speak-out-sexual-harassment.html?referer=https://t.co/tzEU7QBFVK"><span>Link</span></a> </li> <li> <span><strong>Business Insider</strong> – </span><span>Fintech startup Tide: $14 million boost from Spotify backers Creandum – <a href="https://fintechinsidernews.com/out?url=http%3A%2F%2Fuk.businessinsider.com%2Ffintech-startup-tide-14-million-boost-from-spotify-backers-creandum-2017-7">Link</a></span> </li> <li> <strong>Medium</strong> – Bag Snatchers, Monzo, and a night of adventure in London. – <a href="https://medium.com/@tristanwatson/bag-snatchers-monzo-and-a-night-of-adventure-in-london-d051a3eeb4cb"><span>Link</span></a> </li> </ol> <p>The post <a href="https://11fs.com/podcasts/ep-274-news-digitising-pocket-money/">Ep. 274. News: Digitising Pocket Money</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p> Special Guests: Chloé James and Sarah Kocianski.
Jul 10, 2017
Ep. 273. Interviews – Rita Liu & Edward Budd
20:26
<h2>In this episode</h2> <p>From last week’s magnificent Money20/20 Europe, Jason interviews <span>Rita Liu, Head of Alipay (Europe, the Middle East and Africa), the world’s largest mobile and online payments platform since 2014, and Simon catches up with Edward Budd, </span>Managing Director and Chief Digital Officer of Global Transaction Banking at Deutsche Bank.</p> <p>Rita tells us about the European expansion of Alipay, and the innovations in fintech coming from China and the Asian market; and some of the new, cool initiatives from Ant Financial and Alipay, including carbon saving monitoring, (e.g. paperless payments), resulting in Alipay planting trees once you reach a certain threshold.</p> <p>She also explains Alipay’s ethos in relation to testing and creating new products at scale, and partnerships with retailers to grow Alipay’s use and exposure in Europe.</p> <p>Edward Budd tells Simon about Deutsche Bank’s digital trade opportunities, opening up the market for new clients, and new market segments. Their particular focus currently is on small business owners and international trade between them, drawing on collaboration between multiple banks to serve an existing but underserved segment to help improve the dedicated financial services for this sector.</p> <p>Edward goes onto explain how experimentation is important to Deutsche bank, and changing up traditional business model from the top down to change culture and leadership in order to innovate.</p> <p>Find out more from Rita at Alipay.com, connect with her on <a href="https://www.linkedin.com/in/rita-liu-75877b5/">LinkedIn</a>, or follow her on <a href="https://twitter.com/rita2016alipay">Twitter</a>.</p> <p>Learn more about Edward by: <a href="https://www.db.com/company/index.htm">DB.com</a> or connect with him on <a href="https://www.linkedin.com/in/edward-budd-b111b35/?ppe=1">LinkedIn</a>.</p> <p>We hope you’re enjoying FinTech Insider – don’t forget to tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p> </p> <p>The post <a href="https://11fs.com/podcasts/ep-273-interviews-rita-liu-edward-budd/">Ep. 273. Interviews – Rita Liu &amp; Edward Budd</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Jul 07, 2017
Ep. 272. Insights: Money20/20 Europe, Part 1
57:38
<h2>In this episode:</h2> <p>We bring you the highlights from last week’s amazing event at Money20/20 Europe in beautiful Copenhagen.</p> <p>We caught up with some fascinating guests, speakers and interviewees including: Derek White from BBVA speaking to Simon about open platforms, APIs and customer input in development of new products; Jason interviews Andrew and Tac from JCB International; and Bill Gajda, SVP at VISA announcing their partnership with Klarna; and Simon catches up with Bianca Lopes, SVP of BioConnect, about data privacy, online identification and online reputation management.</p> <p>Next up, Simon chats to Aaron Phethean from Temenos about their software, marketplace partnerships and scalability with fintechs and incumbents; followed by Eugene Danilkis the CEO of Mambu, the SaaS banking software provider. David interviews Don Ginsel, the founder of Holland Fintech, ahead of Money20/2o Europe going to Amsterdam next year; and finally Meaghan talks to Lav Odorović, CEO of Penta.</p> <h2>Guests:</h2> <ul> <li> <a href="https://www.linkedin.com/in/derek-white-99825ab/">Derek White</a> – Creating, BBVA</li> <li> <a href="https://www.linkedin.com/in/andrew-doukanaris-84156b1/">Andrew Doukanaris</a> – SVP, Sales &amp; Marketing, JCB International (Europe) Ltd</li> <li> <a href="https://www.linkedin.com/in/tac-watanabe-9640517/">Tac Watanabe </a>– EVP, Brand Infrastructure &amp; Technologies, JCB Co., Ltd.</li> <li> <a href="https://www.linkedin.com/in/billgajda/">Bill Gajda</a> – SVP, Innovation and Strategic Partnerships at Visa</li> <li> <a href="https://www.linkedin.com/in/biasmlopes/">Bianca Lopes</a> – Vice President Business Development &amp; Strategic Marketing, BioConnect</li> <li> <a href="https://www.linkedin.com/in/aaron-phethean-a223ba33/">Aaron Phethean </a>– MarketPlace Director at Temenos</li> <li> <a href="https://www.linkedin.com/in/edanilkis/">Eugene Danilkis</a> – Co-Founder &amp; CEO at Mambu</li> <li> <a href="https://www.linkedin.com/in/donginsel/">Don Ginsel</a> – Founder, Holland Fintech</li> <li class="pv-top-card-section__name Sans-26px-black-85% mb1"> <a href="https://www.linkedin.com/in/lavodorovic/">Lav Odorović</a> – Co-founder &amp; CEO, Penta</li> </ul> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep-272-insights-money-2020-part-1/">Ep. 272. Insights: Money20/20 Europe, Part 1</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Jul 05, 2017
Ep. 271. News: LIVE from Money20/20 Europe
49:33
<h2>In this episode</h2> <p>We bring you our first ever live podcast, recorded in front of a live audience at Money20/20 Europe, Copenhagen.</p> <p>With all four of our regular hosts, David Brear, Jason Bates, Simon Taylor and Chris Skinner, plus six fantastic guests from the world of fintech and banking (and previous podcasts), they discuss the latest news and stories with additional audience interaction, including:</p> <p>Goldman Sachs’ lending business hitting its first $1bn mark, is this a good thing or is it old news?, the pros and cons of card use and card readers vs smartphone points of sale – as pioneered by Jack Dorsey’s Square; and the merits of Will.i.am as an advisor to Atom Bank and personification of their market sector, which opens up discussion of who other banks would be if they were a pop star.</p> <p>We also hear Starling’s own Megan Cawood on their European expansion and Simon and Ajit lead the audience into a cryptocurrency Q&amp;A explaining the Ethereum “flash crash” and what this means for Ethereum’s future, and cryptocurrency in general, and they attempt to address the same old question: is it a bubble, should I hold or sell?</p> <h2>Guests</h2> <ul> <li><span><a href="https://www.linkedin.com/in/alipaterson1/">Ali Patterson</a> – Editor in Chief, FinTech Finance </span></li> <li> <span><span><a href="https://www.linkedin.com/in/leda-glyptis-phd-272492/">Leda Glyptis</a> – </span></span>Chief Innovation Officer, Qatar National Bank</li> <li> <a href="https://www.linkedin.com/in/meaghan-johnson-b5506613/">Meaghan Johnson </a>– Co-founder and Director of Research at 11:FS</li> <li> <a href="https://www.linkedin.com/in/jamie-campbell-84735314/">Jamie Campbell</a> – Head of Awareness at Bud</li> <li> <a href="https://www.linkedin.com/in/ajitkt/">Ajit Tripathi </a>– Director, Fintech and Digital Banking, PWC</li> <li> <a href="https://www.linkedin.com/in/megcaywood/">Megan Caywood</a> – Chief Platform Officer, Starling Bank</li> </ul> <h2>News this week</h2> <ol> <li> <span><strong>Business Insider</strong> – Goldman Sachs’ new online lending business has already hit a $1 billion milestone – </span><a href="http://uk.businessinsider.com/goldman-sachs-online-lending-business-already-hit-the-1-billion-milestone-2017-6?r=US&amp;IR=T"><span>Link</span></a> </li> <li> <span><strong>Financial Review</strong> – Square gets green light to take on banks with ‘PIN on glass’ mobile technology – </span><a href="http://www.afr.com/technology/square-gets-green-light-to-take-on-banks-with-pin-on-glass-mobile-technology-20170616-gwsw1p?utm_content=buffer83ff0&amp;utm_medium=social&amp;utm_source=twitter.com&amp;utm_campaign=buffer"><span>Link</span></a> </li> <li> <span><strong>Tech City News</strong> -Will.i.am reveals why he became an advisor to UK FinTech startup Atom Bank – </span><a href="http://techcitynews.com/2017/06/22/will-reveals-became-advisor-uk-fintech-atom-bank/"><span>Link</span></a> </li> <li> <span><strong>Venture Beat</strong> – Stripe refocuses European effort with 6 new markets and expanded payments platform – </span><a href="https://venturebeat.com/2017/06/22/stripe-launches-in-6-new-european-markets-and-expands-its-connect-payments-platform-for-marketplaces/"><span>Link</span></a> </li> <li> <span><strong>Tech Crunch</strong> – Starling Bank passports to Europe, first stop Ireland – </span><a href="https://techcrunch.com/2017/06/25/starling-bank-passports-to-europe-first-stop-ireland/">Link</a> </li> <li> <span><strong>CNBC</strong> –  Despite $319 to 10 cents flash crash, ethereum still has massive potential, says digital currency expert</span><b> – </b><a href="https://www.cnbc.com/amp/2017/06/23/ethereum-has-massive-potential-blockchain-expert-william-mougayar.html">Link</a> </li> <li> <span><strong>Techcrunch</strong> – Coinbase is reimbursing losses caused by the Ethereum flash crash – </span><a href="https://techcrunch.com/2017/06/24/coinbase-is-reimbursing-losses-caused-by-the-ethereum-flash-crash/"><span>Link</span></a> </li> <li> <span><strong>Bloomberg – </strong>Jack Ma’s Ant Financial Nearly Doubles Profits Amid Deal Push – </span><a href="https://www.bloomberg.com/news/articles/2017-06-22/jack-ma-s-ant-financial-nearly-doubles-profits-amid-deal-push"><span>Lin</span></a>k</li> </ol> <p>The post <a href="https://11fs.com/podcasts/ep-271-news-live-money-2020/">Ep. 271. News: LIVE from Money20/20 Europe</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Jul 03, 2017
Ep. 270. Interview – Jonathan Larsen, Chief Innovation Officer, Ping An
14:07
<h2>In this episode</h2> <p>David is joined by the multi-talented Jonathan Larsen, who is simultaneously CIO of Ping An, based in Hong Kong and CEO of their Global Voyager Fund.</p> <p>The Global Voyager Fund is a $1billion fund for investment in global fintech, and Jonathan and his team ensure that via this fund they have access to the best innovation around the globe and the best partnerships opportunities.</p> <p>He discusses the impact of financial innovation in China and the enormous opportunities for scalability that China offers, unlike anywhere else. Equally, he tells us about the international opportunities that have arisen from this, reversing the flow of technological advancement from China to the rest of the world whereas previously the flow was going in the opposite direction. The biggest opportunity in China is fintech for healthcare but this is also branching out worldwide with platforms sponsored by the Global Voyager Fund, such as <a href="http://gooddoctor.com/">gooddoctor.com</a> the “uber of doctors”.</p> <p>Jonathan also shares with us his visions for the future where businesses are information led and data is the biggest asset, meaning companies are no longer tied into one fixed industry.</p> <p>Want to know more? Check out <a href="http://www.pingan.cn/en/index.shtml">Ping An,</a> or connect with Jonathan on <a href="https://www.linkedin.com/in/jonathan-larsen-125210127/">LinkedIn</a>.</p> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep-270-interview-jonathan-larsen-chief-innovation-officer-ping/">Ep. 270. Interview – Jonathan Larsen, Chief Innovation Officer, Ping An</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Jun 30, 2017
Ep. 269. Interview – Ali Niknam, CEO of Bunq
24:48
<h2><b>In this episode</b></h2> <p>Simon interviews Ali Niknam, CEO of Bunq, who firstly, tells us all about where the name Bunq came from, what the brand name means and stands for, and how important that is to the company ethos and their overall mantra of being “the bank of the free”.</p> <p>Bunq is a small company with big ambitions for geographic expansion and scalability; Ali tells us that control and ownership is so important to them (they do not outsource their development); and he deliberately chose to run a small team to deliver the best quality products and experience for the end user. It is also part of Bunq’s USP that they take on user feedback when developing their products and are not afraid to experiment, for example they were first bank in the world to try face recognition software.</p> <p>Ali also explains Bunq’s target market and customer demographics, and the Bunq service-orientated business model, in essence: “not making money with money”.</p> <p>Want to know more? Check out <a href="http://www.Bunq.com">Bunq.com</a>, follow them on <a href="https://twitter.com/bunq">Twitter</a>, or connect with Ali on <a href="https://www.linkedin.com/in/ali-niknam-50253913/">LinkedIn</a>.</p> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep-269-interview-ali-niknam-ceo-bunq/">Ep. 269. Interview – Ali Niknam, CEO of Bunq</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Jun 28, 2017
Ep. 268. News: It’s raining money in Durham
1:09:21
<h2>In this episode</h2> <p>We have a whole host of hosts as David, Jason, Simon and Aden are joined by <span>Mariano Belinky and Jamie Campbell </span><span>for the news.</span></p> <p>This week in a European-led section of the show the team discuss Swedish giant Klarna getting it’s official banking licence to begin delivering financial services, Spain’s first fully digital bank, European “robo advice”, and the European Central Bank demanding declaration of all cyber security breaches.</p> <p>It’s raining money in Durham as Atom gets a further £30 million investment from the government, and why did Will.i.am became an advisor to Atom – and does it work?</p> <p>Additionally, they also take on the Barclays execs’ fraud charges during the financial crisis in 2008, ahead of their hearing next week; and an equally political story on the other side of the pond: Elizabeth Warren’s attempts to remove 12 Wells Fargo board members.</p> <p>Finally, the guys also discuss whether PayPal are right to dismiss the Apple Pay challenge; and the impact of two thirds of the world’s population now having mobile phone access and what does that mean for digital innovation?</p> <h2>Guests</h2> <ul> <li><span><a href="https://www.linkedin.com/in/mbelinky/">Mariano Belinky</a> – Managing Partner at Santander InnoVentures</span></li> <li><span><a href="https://www.linkedin.com/in/jamie-campbell-84735314/">Jamie Campbell</a> – Head of Awareness at Bud</span></li> </ul> <h2>News this week</h2> <ol> <li> <b> </b><b>Techcrunch</b><span> – Klarna gets a full banking license, gears up to go beyond financing payments – </span><a href="https://techcrunch.com/2017/06/19/klarna-gets-a-full-banking-license-gears-up-to-go-beyond-financing-payments/"><span>Link</span></a> </li> <li> <b>Techcrunch</b><span> – Monese adds Direct Debits to become even more like a regular bank account – </span><a href="https://techcrunch.com/2017/06/16/monese-adds-direct-debits-to-become-even-more-like-a-regular-bank-account/"><span>Link</span></a> </li> <li> <b>Banking Tech</b><span> – Spain’s first fully digital bank Openbank in major transformation – </span><a href="http://www.bankingtech.com/873881/spains-first-fully-digital-bank-openbank-in-major-transformation/"><span>Link</span></a> </li> <li> <b>Bloomberg</b><span> – Barclays and Four Former Execs Charged Over Qatar Probe – </span><a href="https://www.bloomberg.com/news/articles/2017-06-20/barclays-four-former-executives-charged-over-qatar-fundraising"><span>Link</span></a> </li> <li> <b>CNBC</b><span> – Sen. Elizabeth Warren calls for removal of 12 Wells Fargo board members – </span><span><a href="http://www.cnbc.com/2017/06/19/sen-elizabeth-warren-calls-for-removal-of-all-12-wells-fargo-board-members.html">Link</a></span> </li> <li> <span> </span><b>Business Insider</b><span> – BlackRock gets into European ‘robo advice’ as it leads €30 million investment in Scalable Capital – </span><a href="http://uk.businessinsider.com/blackrock-robo-advice-investment-scalable-capital-fintech-2017-6"><span>Link</span></a> </li> <li> <b>Business Insider</b><span> – Atom Bank gets £30 million from the government as Philip Hammond pledges investment boost – </span><a href="http://uk.businessinsider.com/atom-bank-british-business-bank-tier-2-investment-2017-6?r=US&amp;IR=T"><span>Lin</span></a> </li> <li> <b>Tech City News</b><span> – Will.i.am reveals why he became an advisor to UK FinTech startup Atom Bank – </span><a href="http://techcitynews.com/2017/06/22/will-reveals-became-advisor-uk-fintech-atom-bank/"><span>Link</span></a> </li> <li> <b>The Telegraph</b><span> – PayPal chief dismisses Apple Pay challenge – </span><span><a href="http://www.telegraph.co.uk/technology/2017/06/17/paypal-chief-dismisses-apple-pay-challenge/">Link</a></span> </li> <li> <b>City AM</b><span> – Banks to be forced to reveal all cyber security breaches to the European Central Bank – </span><a href="http://www.cityam.com/266919/banks-forced-reveal-all-cyber-security-breaches-european"><span>Link</span></a> </li> <li> <b>NFC World</b> – Swedish commuters validate tickets using NFC microchips implanted in their hands – <a href="https://www.nfcworld.com/2017/06/15/353369/swedish-commuters-validate-tickets-using-nfc-microchips-implanted-hands/">Link</a> </li> <li> <b>Daily Fintech</b> – International Regtech Association Launch and IBM Watson announce Regtech Apps – <a href="https://dailyfintech.com/2017/06/16/international-regtech-association-launches-and-ibm-watson-announce-regtech-applications/">Link</a> </li> <li> <b>Venture Beat</b><span> – 5 billion people now have a mobile phone connection – </span><a href="https://venturebeat.com/2017/06/13/5-billion-people-now-have-a-mobile-phone-connection-according-to-gsma-data/"><span>Link</span></a> </li> </ol> <p>The post <a href="https://11fs.com/podcasts/ep-268-news-raining-money-durham/">Ep. 268. News: It’s raining money in Durham</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Jun 28, 2017
Ep. 267. Interview – Nathan Bostock, CEO Santander UK
17:52
<h2><b>In this episode</b></h2> <p>Simon interviews Nathan Bostock, CEO of Santander UK.</p> <p>Nathan explains how Santander is embracing the tech changes facing the banking industry, and the shifting customer behaviours in their interactions with the bank with the help of digital innovation.</p> <p>He also tells us that digital innovation evolves around good customer service so Santander tries maintain “customer-centricity” in all it does, to drive its customer experience forward, and that hiring strong digital talent is so important to them to help them achieve this.</p> <p>Nathan also tells us that the Santander company ethos and mindset is that of a challenger, not an incumbent, so they are always looking for opportunities for innovation that can challenge the status quo, while simultaneously taking customer data security very seriously. One key opportunity for innovation is that of partnership with fintech companies and Nathan explains the success of their partnership with small business lending company, Kabbage.</p> <p>Want to know more? Visit<a href="http://www.santander.co.uk/uk/index"> http://www.santander.co.uk/uk/index</a> or <a href="https://uk.kabbage.com/">https://uk.kabbage.com/</a></p> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep-267-interview-nathan-bostock-ceo-santander-uk/">Ep. 267. Interview – Nathan Bostock, CEO Santander UK</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Jun 23, 2017
Ep. 266. Insights – RFI Global Banking Summit
55:25
<h2>In this episode:</h2> <p>We bring you the highlights from the RFI global banking summit where we were lucky enough to speak to a variety of different guests, on a range of topics.</p> <p>First up, Aden spoke with Louise Beaumont, Co-Chair at Open Bank Working Group, to talk about all things open banking, before he dived into a chat with regular FinTech Insider guest Ghela Boskovich.</p> <p>Later on he chats to Luis Rodriguez, VP Strands Lab and Ricky Knox, founder of Tandem.</p> <p>Later on, Simon Taylor takes the reigns as he chats with Mike Kelly, the Founder of Curl, Jesse McWaters of the World Economic Forum, Charles Green, CEO of RFi Group, the host of the event, and Yarrick, CEO of NBank.</p> <h2>Guests:</h2> <ul> <li> <a href="https://www.linkedin.com/in/louisebeaumont/">Louise Beaumont</a> – Co chair, Open Bank Working Group</li> <li> <a href="https://www.linkedin.com/in/luisjrodriguez/">Luis Rodriguez,</a> VP Strands Labs</li> <li><a href="https://www.linkedin.com/in/ghelaboskovich/">Ghela Boskovich</a></li> <li> <a href="https://www.linkedin.com/in/rickyknox/">Ricky Knox</a> – founder of Tandem</li> <li> <a href="https://www.linkedin.com/in/mikekelly123/">Mike Kelly</a> – Founder of Curl</li> <li> <a href="https://www.linkedin.com/in/r-jesse-mcwaters-8319347/">Jesse McWaters</a> – Financial Innovation Lead, The World Economic Forum</li> <li> <a href="https://www.linkedin.com/in/charles-green-68123a8/">Charles Green</a> – Founder and Group CEO RFi</li> </ul> <p> </p> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep-266-insights-rfi-global-banking-summit/">Ep. 266. Insights – RFI Global Banking Summit</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p> Special Guest: Ghela Boskovich.
Jun 21, 2017
Ep. 265. News: Guess who’s back?
58:30
<h2>In this episode</h2> <p>David is back! He and Aden are joined by regulars Liz and Sarah for the news.</p> <p>This week the team take on <span>The FCA’s cohort 3 and reveals cohort 2 for their sandbox; Amazon flexing it’s financial services muscles; and the “demise of a fintech darling” as Monetise is to be acquired by Fiserv for £70million, when it was previously valued at £2billion.</span></p> <p>They also ask “what the hell is Zelle?” – the instant transfer app taking the US by storm, a key rival of Venmo, a product of six banks working together with 86million instantly available customers, it looks set to make big waves. The team also tackle Uber upheavals, and the ongoing sexism disputes threatening to tear the company apart,  leaving it currently without a CEO, CTO or COO – is this the beginning of the end for them? Even if it’s not, being the “Uber of banking” may no longer be a thing to aspire to.</p> <p>They also discuss what is the future for the small town bank branches and is honesty the best policy?, as Monzo sends out open communications explaining the need to verify 20,000 customer accounts or else to shut them down.</p> <p>And finally… Potcoin Dennis Rodman and North Korea – is this a movie waiting to happen?</p> <h2>Guests</h2> <ul> <li> <a href="https://www.linkedin.com/in/sarahkocianski/">Sarah Kocianski</a>, Senior Research Analyst Fintech at Business Insider UK</li> <li> <a href="https://www.linkedin.com/in/elizabethlumley/">Elizabeth Lumley</a> FinTech commentator &amp; Author of <a href="http://girl-disrupted.com/">girl-disrupted.com</a> </li> </ul> <h2>News this week</h2> <ol> <li>FCA – <span>Financial Conduct Authority provides update on regulatory sandbox –</span> <a href="https://www.fca.org.uk/news/press-releases/financial-conduct-authority-provides-update-regulatory-sandbox">Link</a> </li> <li>Reuters<span> – Amazon lent $1 billion to merchants to boost sales on its marketplace </span><a href="https://uk.reuters.com/article/us-amazon-com-loans-idUKKBN18Z0DY"><span>Link</span></a> </li> <li>Finextra<span> – Fiserv to acquire Monitise for £70 million – </span><a href="https://www.finextra.com/newsarticle/30685/fiserv-to-acquire-monitise-for-70-million"><span>Link</span></a> </li> <li>New York Times<span> – Cash Faces a new challenger in Zelle, A mobile banking service </span><a href="https://mobile.nytimes.com/2017/06/12/business/dealbook/mobile-banking-zelle-venmo-apple-pay.html"><span>Link</span></a> </li> <li>BizJournals<span> – Bank of America launches new high-tech financial centers around U.S </span><a href="http://www.bizjournals.com/charlotte/news/2017/06/09/bank-of-america-launches-new-high-tech-people-less.html"><span>Link</span></a> </li> <li>The Guardian<span> – As we wave goodbye to cash, ATMs have had to get a whole lot smarter </span><a href="https://www.theguardian.com/money/2017/jun/10/atm-touchscreen-technology?CMP=Share_AndroidApp_Tweet"><span>Link</span></a> </li> <li>Finextra<span> – Monzo may have to freeze some accounts under new money laundering rules – </span><a href="https://www.finextra.com/newsarticle/30686/monzo-may-have-to-freeze-some-accounts-under-new-money-laundering-rules"><span>Link</span></a> </li> <li>The FT<span> – Deutsche Bank wealth arm targets Asia super-rich </span><a href="https://www.ft.com/content/d6f609da-4cf0-11e7-a3f4-c742b9791d43"><span>Link</span></a> </li> <li>New York Times<span> – Uber embraces major reforms as Travis Kalanick, steps away </span><a href="https://www.nytimes.com/2017/06/13/technology/uber-travis-kalanick-holder-report.html?ribbon-ad-idx=4&amp;rref=business&amp;module=Ribbon&amp;version=context&amp;region=Header&amp;action=click&amp;contentCollection=Business%20Day&amp;pgtype=article"><span>Link</span></a> </li> <li>New York Times<span> – David Bonderman resigns from Uber board after Sexist remark – </span><a href="https://www.nytimes.com/2017/06/13/technology/uber-sexual-harassment-huffington-bonderman.html?hp&amp;action=click&amp;pgtype=Homepage&amp;clickSource=story-heading&amp;module=first-column-region&amp;region=top-news&amp;WT.nav=top-news"><span>Link</span></a> </li> <li>The Register<span> – Ta-ta, security: Bungling Tata devs leaked banks’ code on public GitHub repo, says IT bloke </span><a href="https://www.theregister.co.uk/2017/06/12/tata_bank_code_github/"><span>Link</span></a> </li> <li>FNLondon<span> – Email hoaxer catches out top brass at Citi and Goldman </span><span><a href="https://www.fnlondon.com/articles/email-hoaxer-catches-out-top-brass-at-citi-and-goldman-20170612">Link</a></span> </li> <li>The Verge<span> – A cryptocurrency for weed is sending Dennis Rodman back to North Korea </span><a href="https://www.theverge.com/2017/6/13/15767632/dennis-rodman-north-korea-potcoin-marijuana-currency"><span>Link</span></a> </li> </ol> <p>The post <a href="https://11fs.com/podcasts/ep-265-news-guess-whos-back/">Ep. 265. News: Guess who’s back?</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p> Special Guests: Liz Lumley and Sarah Kocianski.
Jun 19, 2017
Ep. 264. Interview – Daphne de Kluis – CEO of Commercial Banking, ABN AMRO
19:23
<h2><b>In this episode</b></h2> <p>Jason interviews Daphne de Kluis, CEO of commercial banking at ABN AMRO, the Dutch banking giant.</p> <p>Speaking at the Beyond Banking event in Amsterdam, Daphne and Jason discuss the importance of the event to enhance co-creation between partners, external clients, and customers to shape the future of banking and products. She believes in the importance of asking clients for their feedback and what they want from their bank to create more collaborative development that allows ABN AMRO to reach beyond the boundaries of the traditional bank and offer better customer service. They discuss the value of entrepreneurship and ABN AMRO’s ongoing efforts to change the company culture to challenge their employees to think outside the box and work more like entrepreneurs, no small feat in such a giant organisation!</p> <p>Jason also asks her for her views on fintech and challenger banks – does she see them as a threat? They also discuss her thoughts on digitisation in banking – is it almost complete or barely begun?, ABN AMRO’s route to innovation and how talent is always key priority.</p> <p>Want to know more? Reach out to Daphne via the <a href="https://www.abnamro.com/en/contact-abn-amro/index.html">ABN AMRO website</a>, or <a href="https://www.linkedin.com/in/daphne-de-kluis-1271161/">connect with her</a> on LinkedIn.</p> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep-264-interview-daphne-de-kluis-ceo-commercial-banking-abn-amro/">Ep. 264. Interview – Daphne de Kluis – CEO of Commercial Banking, ABN AMRO</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Jun 16, 2017
Ep. 263 – News: Dodd Frank, Trump, Elections, Unicorns – what didn’t happen this week?
56:17
<h2>In this episode</h2> <p>Simon and Aden are joined by regulars Ghela and Sarah for the news.</p> <p>This week we discuss all things politics on both sides of the pond, especially THAT Dodd Frank legislation repeal proposed by Trump, that seems to have flown slightly under the radar while we were all looking the other way, watching Comey’s testimony- and what this would mean for banks and their customers if it happens. Also on the table is the UK election result and the potential “Brexit dilemma”: other European fintech hubs could take the talent and budget away from London – will London fight back?</p> <p>They also tackle whether it’s possible for incumbents to ever truly become fintech firms, or will innovation always get bogged down in middle management? On the flipside is Coinbase, who has just achieved unicorn status with their latest valuation – is it a game-changer to have a cryptocurrency firm inducted into unicornland?</p> <p>The team also debate whether it’s a big deal that Apple have announced a peer-to-peer payment service, to compete with Venmo; and with Atom postponing the launch of their current accounts, are they struggling to be truly digital? Additionally they all agree that Ant Financial is a beast but it is not yet a bank, can it successfully make the switch?</p> <p>Finally, how do we feel about Australia’s attempt to rename its currency the Dollarydoo – and can the change of a currency’s name affect it’s worth?</p> <h2>Guests</h2> <ul> <li><a href="https://www.linkedin.com/in/ghelaboskovich/">Ghela Boskovich</a></li> <li> <a href="https://www.linkedin.com/in/sarahkocianski/">Sarah Kocianski</a>, Senior Research Analyst Fintech at Business Insider UK</li> </ul> <h2>News this week</h2> <ol> <li> <ol> <li> <b>Politics! </b>Trump and Comey, Dodd Frank legislation repeals, and the UK election result.</li> <li> <span>Recode –  Apple just announced its own Venmo competitor built into iMessage – </span><a href="https://www.recode.net/2017/6/5/15741636/apple-pay-p2p-venmo-competitor-apple-pay-cash-money-transfer"><span>Link</span></a> </li> <li> <span>Atom postpones current account launch – </span><a href="https://www.ft.com/content/a7efa072-48fb-11e7-919a-1e14ce4af89b"><span>Link</span></a> </li> <li> <span>The Telegraph – Aviva eyeing AI and big data in bid to become fintech firm – </span><a href="http://www.telegraph.co.uk/business/2017/05/28/aviva-eyeing-ai-big-data-bid-become-fintech-firm/"><span>Link</span></a> </li> <li><b><span> Coin Telegraph – Coinbase Valued at $1 Bln, Could Target More Aggressive Global Expansion – </span><a href="https://cointelegraph.com/news/coinbase-valued-at-1-bln-could-target-more-aggressive-global-expansion"><span>Link</span></a></b></li> <li> <span>Nikkei Asian Review – Ant Financial seen becoming world’s top consumer bank – </span><a href="http://asia.nikkei.com/Business/AC/Ant-Financial-seen-becoming-world-s-top-consumer-bank"><span>Link</span></a> </li> <li> <span>Polish fintech companies face Brexit dilemma – </span><span><a href="https://www.ft.com/content/dfd5364a-3998-11e7-821a-6027b8a20f23">Link</a></span> </li> <li>Marketwatch – A petition to call Australia’s currency ‘the Dollarydoo’ has 50,000 signatures – <a href="http://www.marketwatch.com/story/a-petition-to-call-australias-currency-the-dollarydoo-has-50000-signatures-2015-10-19"><span>Link</span></a> </li> </ol> </li> </ol> <p>The post <a href="https://11fs.com/podcasts/ep-263-news-dodd-frank-trump-elections-unicorns-didnt-happen-week/">Ep. 263 – News: Dodd Frank, Trump, Elections, Unicorns – what didn’t happen this week?</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p> Special Guests: Ghela Boskovich and Sarah Kocianski.
Jun 14, 2017
Ep 262. State of Fintech: Amsterdam
49:08
<h2>In this episode</h2> <p><span>Jason and Simon catch up with ABN AMRO’s Freek de Steenwinkel &amp; Roland Booijen, and Ali Niknam, CEO of Dutch challenger bank, <a href="https://www.bunq.com/en/">Bunq</a> to discuss traditional banking vs challenger banks and fintech in the Netherlands. Are fintechs competing with incumbents or assisting incumbents? </span></p> <p><span>They find out how our guests feel about hackathons, hiring developer talent, APIs and the up-coming PSD2 directive. They also discuss regulations, compliance and new product development, in particular ABN AMRO’s <a href="https://tikkie.me/">Tikkie</a> – an easy-to-use payment management tool, allowing peer to peer transfers via WhatsApp. </span></p> <p><span>Freek, Roland and Ali also give their predictions on the future of the Dutch fintech market as a whole, and its impact on existing banks and financial products.</span></p> <h2>Guests</h2> <ul> <li><span><a href="https://www.linkedin.com/in/freekdesteenwinkel/">Freek de Steenwinkel </a>– Lead Product owner Tikkie (ABN AMRO) </span></li> <li><span><a href="https://www.linkedin.com/in/roland-booijen-484a521/">Roland Booijen </a>–  Director of Digital Strategy &amp; Innovation – ABN AMRO </span></li> <li><span><a href="https://www.linkedin.com/in/ali-niknam-50253913/">Ali Niknam</a> – CEO of Bunq</span></li> </ul> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep-262-state-fintech-amsterdam/">Ep 262. State of Fintech: Amsterdam</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Jun 12, 2017
Ep 261. Interview – Paul Lipman, CEO of Bullguard
23:43
<p><b>In this episode</b></p> <p><span>David interviews Paul Lipman, CEO of Bullguard, the consumer cyber security experts. Following very topical compromises of ransomware around the world, Paul explains how Bullguard are always fighting a constant battle with the “bad guys” to stay ahead of cyber threats to protect their customers across all their devices. </span></p> <p><span>We learn how institutions are still too reliant on old software, exposing their vulnerability and that “patching up” fixes are not enough. Paul reminds us that any software can be hacked and that cyber security education across all businesses and industries is paramount as often it’s us humans that let the side down, no matter how secure the internal systems are!</span></p> <p><span>Paul also discusses his new product, <a href="http://dojo.bullguard.com/">Dojo by Bullguard,</a> a smart home security solution that is designed to protect all your smart devices in the home from being compromised and inadvertently sharing your data to unwanted third parties; and the Dojo Pebble, a notification device that updates you on the data security of your home and lets you know in real time if any threats are found.</span></p> <p><span>Want to know more? Read all about Bullguard and the Dojo product on their </span><a href="https://www.bullguard.com/"><span>website</span></a><span> or follow Paul on </span><a href="https://twitter.com/paullipman"><span>Twitter</span></a><span>.</span></p> <p><span>Enjoying FinTech Insider? Tell a friend about us and </span><a href="http://goo.gl/6wM9ul"><span>please leave us a review on iTunes</span></a><span>.</span></p> <p> </p> <p>The post <a href="https://11fs.com/podcasts/ep-261-interview-paul-lipman-ceo-bullguard/">Ep 261. Interview – Paul Lipman, CEO of Bullguard</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Jun 09, 2017
Ep. 260 – Blockchain Special Part 3: EEA and ZCash – Open Blockchains for Enterprise?
1:08:47
<h2><b>In this episode</b></h2> <p><span>In the third of our three part Blockchain Special, Simon and Colin are joined by some very special guests to discuss EEA, ZCash and the potential similarities between blockchain and the rise of cryptocurrencies and the dot-com bubble in the 90s, and asks the question: “Why should we be paying attention?”. They also debate the anonymity of blockchain and user privacy; and centralisation vs decentralisation in blockchain APIs – do we still need the middle man?</span></p> <p><span>In the second half they discuss highly topical news stories such as the EU’s pledge to invest in blockchain research and Theresa May’s proposal for greater internet security and access to public data – is she asking for the impossible? </span></p> <p>Like what you heard? Look out for Blockchain Insider – a dedicated podcast to all things blockchain, coming soon!</p> <h2><b>Guests</b></h2> <ul> <li> <a href="https://www.linkedin.com/in/jackgavigan/%5C"><span>Jack Gavigan</span></a><span> – COO at Z-Cash (The Zerocoin Electric Coin Company)</span> </li> <li> <a href="https://www.linkedin.com/in/batlin/"><span>Alex Batlin</span></a><span> – </span><span>Co-Founder at </span><span>Enterprise</span> <span>Ethereum</span> <span>Alliance and Global Head of Emerging Business &amp; Technology and Global Blockchain Lead at BNY Mellon</span> </li> </ul> <p><span>Enjoying FinTech Insider? Tell a friend about us and </span><a href="http://goo.gl/6wM9ul"><span>please leave us a review on iTunes</span></a><span>.</span></p> <p> </p> <p>The post <a href="https://11fs.com/podcasts/ep-260-blockchain-special-part-3-eea-zcash-open-blockchains-enterprise/">Ep. 260 – Blockchain Special Part 3: EEA and ZCash – Open Blockchains for Enterprise?</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Jun 07, 2017
Ep259 – News: Dirty Money
1:07:42
<h2>In this episode</h2> <p><span>Aden and Simon are joined by regulars Kadhim and Liz for the news. This week we find out if it’s really necessary to use VR in banking; and, as ATMs are dying and costing banks to run, we discuss the pros and cons of hard cash versus digital transactions – and the various reasons why people are still keen on cash. </span><br> <span>We also myth-bust the theory that consumers are less trusting of robots or AI for banking and money movements than they would be for major surgery; and if it’s true Google can track what you’re buying online and offline via your credit card purchases – and how do we feel about this? Finally, the team debate the importance of big banks and banking regulators beginning to pay attention to fintech, and why Chicago </span><i><span>should</span></i><span> be a fintech hub, but isn’t.</span></p> <h2>Guests</h2> <ul> <li> <a href="https://www.linkedin.com/in/elizabethlumley/">Elizabeth Lumley</a> FinTech commentator &amp; Author of <a href="http://girl-disrupted.com/">girl-disrupted.com</a> </li> <li> <a href="https://www.linkedin.com/in/kadhim/">Kadhim Shubber</a>, Reporter at Financial Times</li> </ul> <h2>News this week</h2> <ol> <li> <span>Finextra –  BNP Paribas jumps into virtual reality – </span><a href="https://www.finextra.com/newsarticle/30637/bnp-paribas-jumps-into-virtual-reality"><span>Link</span></a> </li> <li> <span>Finextra – Bank of America preps data sharing service – </span><a href="https://www.finextra.com/newsarticle/30625/bank-of-america-preps-data-sharing-service"><span>Link</span></a> </li> <li> <span>Finextra – Dutch banks bid to manage falling cash use through joint ATM network – </span><a href="https://www.finextra.com/newsarticle/30644/dutch-banks-bid-to-tackle-falling-cash-use-through-joint-atm-network"><span>Link</span></a> </li> <li> <span>HSBC partners with AI startup to combat money laundering – </span><a href="https://www.reuters.com/article/us-hsbc-ai-idUSKBN18S4M5"><span>Link</span></a> </li> <li> <span>Bloomberg – HSBC Discovers Consumers Trust Robots for Surgery Over Savings – </span><a href="https://www.bloomberg.com/news/articles/2017-05-23/hsbc-discovers-consumers-trust-robots-for-surgery-over-savings"><span>Link</span></a> </li> <li> <span>MIT Techreview – Google Now Tracks Your Credit Card Purchases and Connects Them to Its Online Profile of You – </span><a href="https://www.technologyreview.com/s/607938/google-now-tracks-your-credit-card-purchases-and-connects-them-to-its-online-profile-of-you/"><span>Link</span></a> </li> <li> <span>President of the ECB talks Fintech  – </span><a href="https://www.ecb.europa.eu/press/key/date/2017/html/ecb.sp170529.en.html"><span>Link</span></a> </li> <li> <span>Sydney Morning Herald –  China’s P2P lending market 24x bigger than the US fintech lending market  – </span><a href="http://www.smh.com.au/business/banking-and-finance/the-other-credit-risk-to-watch-in-china-fintechfuelled-debt-20170529-gwf7hr.html"><span>Link</span></a> </li> <li> <span>Coindesk – India’s ‘BankChain’ Consortium Launches Blockchain KYC System – </span><a href="http://www.coindesk.com/indias-bankchain-consortium-launches-blockchain-kyc-system/"><span>Link</span></a> </li> <li> <span>Chicago should be a fintech hub but why isn’t it? – </span><a href="http://www.chicagobusiness.com/article/20170527/ISSUE01/170529907/fintech-should-be-big-in-chicago-heres-why-it-isnt"><span>Link</span></a> </li> </ol> <p>The post <a href="https://11fs.com/podcasts/ep259-news-dirty-money/">Ep259 – News: Dirty Money</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p> Special Guests: Kadhim Shubber and Liz Lumley.
Jun 05, 2017
Ep258 – Interview: Valentin Stalf, Co-Founder & CEO at N26
19:20
<h2>In this episode</h2> <p>We welcome back Valentin Stalf, CEO of N26 back to the show. Simon spends some time to catch up with Valentin on N26’s growth and how they’ve forged ahead expanding to new countries. Valentin talks about what is needed to be done to enter the UK market.</p> <p>We cover N26’s growing pains related to cyber security, Valentin’s approach to countering it and using bug bounty programs to create a sustained defence. We talk to advantages of digital on boarding and what the future looks like for N26 and open API’s. We then find out what it’s like to be a young CEO and how to stay productive while having the world on your shoulders.</p> <p>You can follow Valentin on Twitter <a href="https://twitter.com/valentinstalf">here</a> and learn more about <a href="https://n26.com/eu/">N26</a> on their website.</p> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p> </p> <p>The post <a href="https://11fs.com/podcasts/ep258-interview-valentin-stalf-co-founder-ceo-n26/">Ep258 – Interview: Valentin Stalf, Co-Founder &amp; CEO at N26</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Jun 02, 2017
Ep257 – Blockchain Special Part 2: Consensus Recap
51:51
<h2>In this episode</h2> <p> </p> <p>Part 2 of our Blockchain Special, Simon and Colin with a roster of fascinating guests focus on the recent Consensus conference. We cover what the conference is, who should be attending and where it means to the industry. We give you a crash course on the difference between cryptocurrencies and DLT, what the main impacts ledger technology will have on banks and what is causing the major spikes in crypto currency prices right now.</p> <p>Stay tuned in for our final part next week.</p> <h2>Guests</h2> <ul> <li><a href="https://www.linkedin.com/in/ghelaboskovich/">Ghela Boskovich</a></li> <li> <a href="https://www.linkedin.com/in/ajitkt/">Ajit Tripathi</a>, Director, Fintech and Digital Banking at PwC</li> <li> <a href="https://www.linkedin.com/in/jemillar/">Jeremy Millar</a>, Chief Of Staff at ConsenSys</li> </ul> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep257-blockchain-special-part-2-consensus-recap/">Ep257 – Blockchain Special Part 2: Consensus Recap</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p> Special Guest: Ghela Boskovich.
Jun 01, 2017
Ep256 – News: We’re Breaking Free
1:08:22
<h2>In this episode</h2> <p>David, Jason and Simon jump into the news accompanied by Richard Davies. This week borderless bank accounts, can your voice be secure and we make Simon talk Apple pay.</p> <p>We also have interviews from Transferwise, Seedrs and Pensionbee to cover their big announcements this week.</p> <h2>Guests</h2> <ul> <li> <a href="https://www.linkedin.com/in/richard-davies-1323b2/">Richard Davies</a> Global Head of Propositions at HSBC</li> <li> <a href="https://linkedin.com/in/joemcross">Joe Cross</a> General Manager at Transferwise</li> <li> <a href="https://linkedin.com/in/jefflynn">Jeff Lynn</a> CEO at Seedrs</li> <li> <a href="https://uk.linkedin.com/in/romina-savova-49477a25">Romina Savova</a> CEO at Pensionbee</li> </ul> <h2>News this week</h2> <ol> <li><b><span>Techcrunch – TransferWise launches ‘Borderless’ account for businesses, sole traders and freelancers – </span><a href="https://techcrunch.com/2017/05/22/borderless-banking/"><span>Link</span></a></b></li> <li> <span>BBC fools HSBC voice recognition security system – </span><a href="http://www.bbc.co.uk/news/technology-39965545"><span>Link</span></a> </li> <li> <span>Apple Pay now supports higher value transactions at most UK contactless tills – </span><a href="https://techcrunch.com/2017/05/22/apple-pay-now-supports-higher-value-transactions-at-most-uk-contactless-tills/"><span>Link</span></a> </li> <li> <span>American Banker – If banks wait for APIs to be mandated, it will be too late – </span><a href="https://www.americanbanker.com/opinion/if-banks-wait-for-apis-to-be-mandated-it-will-be-too-late"><span>Link</span></a> </li> <li><b><span>British firm Seedrs plans a secondary market for crowd-funded shares – </span><a href="http://www.economist.com/news/business-and-finance/21722133-obstacle-crowd-funding-investors-have-wait-so-long-sell-their?fsrc=scn/tw/te/bl/ed/"><span>Link</span></a></b></li> <li> <span>afr.com – How Pocketbook went from a Sydney spreadsheet to a fintech with 300,000 users</span> <span>– </span><a href="http://www.afr.com/technology/apps/business/how-pocketbook-went-from-a-sydney-spreadsheet-to-a-fintech-with-300000-users-20170523-gwbp5j"><span>Link</span> </a> </li> <li><span>PensionsBee partners with Revolut</span></li> <li><span>Crypto craziness! A story on it all going off! </span></li> <li> <span>Reuters – BofA, HSBC, Intel, others invest $107 mln in blockchain startup R3 – </span><a href="http://www.reuters.com/article/r3-cev-blockchain-fundraising-idUSL1N1IO1FW"><span>Link</span></a> </li> </ol> <p>The post <a href="https://11fs.com/podcasts/ep256-news-breaking-free/">Ep256 – News: We’re Breaking Free</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
May 30, 2017
Ep255 – Interview: Christopher Giancarlo, Acting Chairman CFTC
22:26
<p>For this very special edition of Fintech Insider Interviews, Simon had the chance to talk to Christopher Giancarlo, Acting Chairman of the CFTC.</p> <p>Christopher walks us through what the CFTC is and how they differ from the SEC. He talks about how the CTFC are trying to foster new innovation through their LabCFTC initiative.</p> <p>LabCFTC is an effort to become an early adopter regulator looking into applications of machine learning, AI, DLT and Blockchain technologies being applied to regulatory challenges.</p> <p>Christopher speaks to Simon about the value of new technology and what an updated regulatory environment could look like going forward.</p> <p>Want more of Christopher? You can follow him on Twitter <a href="https://twitter.com/ccalmeja">here</a>. You can find out more about the CFTC on their <a href="http://www.cftc.gov/index.htm">website</a>.</p> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep255-interview-christopher-giancarlo-acting-chairman-cftc/">Ep255 – Interview: Christopher Giancarlo, Acting Chairman CFTC</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
May 26, 2017
Ep254 – Blockchain Special Part 1: Tokens
1:22:22
<h2>In this episode</h2> <p>As crypto currency interest and prices reach an all time high Simon and Colin bring you the first of a three part special on Blockchain. We delve into the hurricane of news that surfaced this week talking all time high prices, Bitcoin’s effect on national security and the CFTC’s foray into the blockchain.</p> <p>In our second half tokens and ICO’s are on the table as we explain what exactly an ICO is, what tokens are, what industries are reacting and why you should be paying attention.</p> <p>Keep an eye out for part 2 next week!</p> <p> </p> <h2>Guests</h2> <ul> <li> <a href="https://www.linkedin.com/in/kadhim/">Kadhim Shubber</a>, Reporter at Financial Times</li> <li><a href="https://twitter.com/euros">Euros Evans</a></li> </ul> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep254-blockchain-special-part-1-tokens/">Ep254 – Blockchain Special Part 1: Tokens</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
May 24, 2017
Ep253 – CyberRansomWarfare!
56:36
<h2>In this episode</h2> <p>Jason, Simon and Andra are joined by Myke and Liz for the news. We find out if bitcoin to blame for ransomware, whether consumers actually want to cut the banks out of loans. Everyone debates why anyone would want to buy the Co-Op. Jason commits a vile podcast sin and will Google be your next bank?</p> <h2>Guests</h2> <ul> <li> <a href="https://www.linkedin.com/in/elizabethlumley/">Elizabeth Lumley</a> FinTech commentator &amp; Author of <a href="http://girl-disrupted.com/">girl-disrupted.com</a> </li> <li> <a href="https://twitter.com/imyke">Myke Hurley</a> Co-Founder at Relay FM</li> </ul> <h2>News this week</h2> <p> </p> <ol> <li><b>BBC News<span> – Massive ransomware infection hits computers in 99 countries – </span><span><a href="http://www.bbc.co.uk/news/technology-39901382">Link</a></span></b></li> <li> <b>The Register</b><span> – After years of warnings, mobile network hackers exploit SS7 flaws to drain bank accounts – </span><a href="https://www.theregister.co.uk/2017/05/03/hackers_fire_up_ss7_flaw/"><span>Link</span></a> </li> <li> <b>Business Insider</b><span> – Zopa becomes the first of the ‘Big 3’ peer-to-peer lenders to be authorised by the City watchdog – </span><a href="http://uk.businessinsider.com/zopa-full-authorisation-fca-2017-5"><span>Link</span></a> </li> <li> <b>Business Insider</b><span> – Startup bank Tandem cuts headcount after funding setback – </span><a href="http://uk.businessinsider.com/startup-bank-tandem-cuts-headcount-by-30-after-house-of-fraser-funding-setback-2017-5"><span>Link</span></a> </li> <li> <b>City AM </b><span>– Virgin Money walks away from Co-op Bank takeover talks after months of speculation – </span><a href="http://www.cityam.com/264752/virgin-money-walks-away-co-op-bank-takeover-talks-after"><span>Link</span></a> </li> <li> <b>Quartz </b><span>– The world’s most successful mobile money market is introducing cross-network transfer systems – </span><a href="https://qz.com/981381/kenya-is-set-to-introduce-interoperability-for-mobile-money-transfer-among-telecommunication-networks/"><span>Link</span></a> </li> <li><span>Symphony secure messaging app gets 63m at 1b – <a href="https://techcrunch.com/2017/05/16/symphony-a-messaging-app-backed-by-wall-st-gets-63m-at-a-1b-valuation/">Link</a></span></li> <li> <b>Fortune</b><span> – Amex debuts its first Alexa Skill – </span><a href="http://fortune.com/2017/05/11/american-express-alexa-skill/"><span>Link</span></a> </li> <li><span>Harvard Business Review – <a href="https://hbr.org/2017/05/we-recorded-vcs-conversations-and-analyzed-how-differently-they-talk-about-female-entrepreneurs?utm_campaign=hbr&amp;utm_source=twitter&amp;utm_medium=social">Link</a></span></li> <li> <b>Finextra</b><span> – UK consumers ready to swap banks for tech giants – </span><a href="https://www.finextra.com/newsarticle/30572/uk-consumers-ready-to-swap-banks-for-tech-giants"><span>Link</span></a> </li> <li> <b>Money Watch</b><span> – DrnkPay: Payments System Aims To Stop Drunken Spending – </span><a href="https://money-watch.co.uk/11254/drnkpay-stop-drunken-spending#sthash.OCSzPBrt.dpuf"><span>Link</span></a> </li> </ol> <p>The post <a href="https://11fs.com/podcasts/ep253-cyberransomwarfare/">Ep253 – CyberRansomWarfare!</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p> Special Guest: Liz Lumley.
May 23, 2017
Ep252 – Interview: Claire Calmejane
32:38
<p>David interviews <a href="https://www.linkedin.com/in/clairecalmejane/">Claire Calmejane</a> Director of Innovation and Digital Centre of Excellence at Lloyds Banking Group.</p> <p>Claire explains what it means to be leading innovation at Lloyds, we investigate what makes up being a true innovator and what different skills you need to balance to be effective in the space. Better get growing that technology leg!</p> <p>We learn a bit more about what Lloyds is doing to not just promote open banking but foster better education about new developments within the company. Claire discusses the effect of the technology giants in the banking world and the diversification of your companies offerings should be looking to services.</p> <p>Want more of Claire? You can follow her on Twitter <a href="https://twitter.com/ccalmeja">here</a>.</p> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep252-interview-claire-calmejane/">Ep252 – Interview: Claire Calmejane</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
May 20, 2017
Ep251 – Fintech For The Average Joe
51:01
<h2>In this episode</h2> <p>On this week’s Insights show we delve deep into the world of consumer Fintech. We speak with the best in the business on how Fintech compares with other technology developments like fitness and communication and what Fintech looks like as people integrate it into their lives.</p> <p>We find out what it takes to get people to try something new and whether Fintechs can be trustworthy compared to incumbent banks. All this and more on Fintech for The Average Joe</p> <h2>Guests</h2> <ul> <li> <a href="https://www.linkedin.com/in/charlietaylorlondon"><span>Charlie Taylor</span></a><span> – Analytics &amp; Growth Lead at Curve</span> </li> <li> <a href="https://www.linkedin.com/in/edmas/"><span>Ed Maslaveckas</span></a><span> – CEO &amp; Co-founder at Bud</span> </li> <li> <a href="https://twitter.com/lczoerner"><span>Lukas Zoerner</span></a><span> – Founder at MoBillity</span> </li> <li> <a href="https://www.linkedin.com/in/victortrokoudes/"><span>Victor Trokoudes</span></a><span> – CEO &amp; Co-founder at Plum</span> </li> </ul> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep251-fintech-average-joe/">Ep251 – Fintech For The Average Joe</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
May 17, 2017
Ep250 – If You Liked It, Then You Should’ve Put A Blockchain On It
1:12:25
<h2>In this episode</h2> <p>We discuss what a challenger bank really is – drawing a line in the sand for who is and who isn’t in the cool kids club. Alipay seems to be taking over the world through tourism, we discuss how that strategy might be the best route into the west. Debit cards are finding into the hands on children, how do we make sure kids don’t go crazy with (and power) – is this the new way for banks to acquire customers? All this and more on the news this week.</p> <h2>Guests</h2> <ul> <li> <a href="https://www.linkedin.com/in/elizabethlumley/">Elizabeth Lumley</a> FinTech commentator &amp; Author of <a href="http://girl-disrupted.com">girl-disrupted.com</a> </li> <li> <a href="https://www.linkedin.com/in/ajitkt/">Ajit Tripathi</a>, Director, Fintech and Digital Banking at PwC</li> <li> <a href="https://www.linkedin.com/in/davetonge/">Dave Tonge</a>,  CTO at Moneyhub</li> <li> <a href="https://www.linkedin.com/in/jamesphiliplloyd/">James Lloyd</a>, Asia-Pacific Fintech Leader at EY</li> <li> <a href="https://www.linkedin.com/in/juliansawyer/">Julian Sawyer</a>, COO at Starling Bank</li> </ul> <p>Our community contribution was from Nina Mohanty this week (<b><span><a href="https://twitter.com/ninamohanty">@ninamohanty</a>)</span></b></p> <h2>News this week</h2> <ol> <li> <b>Banking Technology</b><span> – FinTech companies blast banks over PSD2 direct access angst – </span><a href="http://www.bankingtech.com/823602/fintechs-blast-banks-over-psd2-direct-access-angst/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=fintechs-blast-banks-over-psd2-direct-access-angst"><span>Link</span></a> </li> <li> <b>The Telegraph</b><span> – Upstart Challenger Banks eye consolidation – </span><a href="http://www.telegraph.co.uk/business/2017/05/07/upstart-challenger-banks-eye-consolidation/"><span>Link</span></a> </li> <li><b>Banking Technology – <span>Deutsche Bank leads charge for pan-industry e-identity platform – </span><a href="http://www.bankingtech.com/825582/deutsche-bank-leads-charge-for-pan-industry-e-identity-platform/"><span>Link</span></a></b></li> <li> <b>Bloomberg</b><span> – Apple Can Thank Alipay for Shopping – </span><a href="https://www.bloomberg.com/gadfly/articles/2017-05-09/why-alipay-s-latest-u-s-foray-might-just-help-apple?utm_content=gadfly&amp;utm_campaign=socialflow-organic&amp;utm_source=twitter&amp;utm_medium=social&amp;cmpid%3D=socialflow-twitter-gadfly"><span>Link</span></a> </li> <li> <b>Global Times</b><span> – WeChat expands in US, EU – </span><a href="http://www.globaltimes.cn/content/1045775.shtml#.WQ9VMNg3CPI.twitter"><span>Link</span></a> </li> <li><b>MacRumours – <span>Visa and Payments Startup ‘Current’ Launch Debit Card for Kids That Ties to Parental Control App</span> – <a href="https://www.macrumors.com/2017/05/09/visa-and-payments-startup-current-launch-debit-card-for-kids-that-ties-to-parental-control-app/"><span>Link</span></a></b></li> <li> <b>Banking Innovation</b><span> – Barclays Gives Users Total Control Over Debit in Effort to Stop Card Fraud – </span><a href="http://bankinnovation.net/2017/05/barclays-gives-users-total-control-over-debit-in-effort-to-stop-card-fraud/"><span>Link</span></a> </li> <li> <b>FT – </b><span>Aviva chief executive hits out at personal insurance market – </span><a href="https://www.ft.com/content/f1c3a52a-3593-11e7-bce4-9023f8c0fd2e"><span>Link</span></a> </li> <li> <b>Recode</b><span> – Square is rolling out its first debit card – </span><a href="https://www.recode.net/2017/5/4/15552912/square-cash-debit-card-black-rollout-launch-jack-dorsey"><span>Link</span></a> </li> <li> <b>Finextra</b><span> – Starling opens payment services unit – </span><a href="https://www.finextra.com/pressarticle/69140/starling-opens-payment-services-unit"><span>Link</span></a> </li> <li> <span><strong>Reuters</strong> – Top French bank chief attacks no-frills rivals for freeloading – </span><a href="http://uk.reuters.com/article/uk-france-banks-rivals-idUKKBN1871OJ"><span>Link</span></a> </li> </ol> <p>The post <a href="https://11fs.com/podcasts/ep250-liked-shouldve-put-blockchain/">Ep250 – If You Liked It, Then You Should’ve Put A Blockchain On It</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p> Special Guest: Liz Lumley.
May 15, 2017
Ep249 – Poornima Vijayashanker & Lawrence Wintermeyer
51:43
<p>It’s an interview double header! We talk to Poornima Vijayashanker and Lawrence Wintermeyer.</p> <p>First up Aden interviews <a href="https://www.linkedin.com/in/poornima/">Poornima Vijayashanker</a> about her work on Femgineer, her previous life at Mint and what it meant to be at the forefront of Fintech before Fintech had broken through</p> <p>After the break Chris Skinner interviews <a href="https://www.linkedin.com/in/lawrencewintermeyer/">Lawrence Wintermeyer</a> about Innovate Finance’s new Industry Sandbox Consultation. We discuss why a sandbox is important, who should be getting involved, where we currently are with the regulators. This is a great insight into where the industry is going next and how companies both big and small can make a difference.</p> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep249-poornima-vijayashanker-lawrence-wintermeyer/">Ep249 – Poornima Vijayashanker &amp; Lawrence Wintermeyer</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
May 12, 2017
Ep248 – Gary Vaynerchuk
33:43
<p>David and Jason have the wind knocked out of them as they interview Gary Vaynerchuck for this very special Fintech Insider Interview.</p> <blockquote><p>People hand me million dollar scopes and ask me for a selfie</p></blockquote> <p>We discuss how staying plugged in and not being complacent is what keeps you ahead. Gary schools us on authenticity and how to earn the buy through giving everything you have for one ask. We learn about how Vaynermedia is getting ready to butt heads with BCG and McKinsey, and the source of why the biggest brands on earth are knocking on Gary’s door.</p> <blockquote><p>There is a not a single client that does the work I want them to do… Period.</p></blockquote> <p>Want more of Gary? Subscribe to our <a href="https://www.youtube.com/channel/UC3eVdgT1EHwIxG5ynO42XXg">Youtube</a> channel to see him in action.</p> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep248-gary-vaynerchuk/">Ep248 – Gary Vaynerchuk</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
May 10, 2017
Ep247 – Making BOMAD a Thing
1:25:46
<h2>In this episode</h2> <p>Could Apple have a viable payments platform? Simon gets back from holiday, we had some questions about his new lifestyle choices. We get to the bottom of why Spotify may need a blockchain. Nigel Walsh drops by to talk to us about insurtech funding and we start filling out our mortgage applications to our parents.</p> <h2>Guests</h2> <p>Joining us for this week’s analysis of the news:</p> <ul> <li> <a href="https://www.linkedin.com/in/sarahkocianski/">Sarah Kocianski</a>, Senior Research Analyst Fintech at Business Insider UK</li> <li> <a href="https://www.linkedin.com/in/kadhim/">Kadhim Shubber</a>, Reported at Financial Times</li> </ul> <h2>News this week</h2> <ol> <li> <b>Recode –</b><span> Apple is in talks to launch its own Venmo – </span><a href="https://www.recode.net/2017/4/27/15412404/apple-venmo-competitor-money-transfer-cash-peer-to-peer-service"><span>Link</span></a> </li> <li> <b>Medium –</b><span> The first real revolution in venture capital: crypto tokens </span><span> – </span><a href="https://medium.com/@stefanobernardi/the-first-real-revolution-in-venture-capital-crypto-tokens-937f7ab53d21"><span>Link</span></a> </li> <li> <b>Coindesk – </b><span>The United Nations Just Launched Its First Large-Scale Ethereum Test – </span><a href="http://www.coindesk.com/the-united-nations-just-launched-its-first-large-scale-ethereum-test/"><span>Link</span></a> </li> <li> <b>Techcrunch –</b><span> Spotify acquires blockchain startup Mediachain to solve music’s attribution problem –</span><a href="https://techcrunch.com/2017/04/26/spotify-acquires-blockchain-startup-mediachain-to-solve-musics-attribution-problem/"><span>Link</span></a> </li> <li> <b>Techcrunch –</b><span> PayPal launches a small biz toolset, ‘Business in a Box,’ with WooCommerce &amp; Xero – </span><a href="https://techcrunch.com/2017/05/01/paypal-launches-a-small-biz-toolset-business-in-a-box-with-woocommerce-xero/?ncid=rss&amp;utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+Techcrunch+%28TechCrunch%29&amp;sr_share=facebook"><span>Link</span></a> </li> <li> <b>FT –</b><span> Bank of Mum and Dad is ninth-biggest lender with £6.5bn loans – </span><a href="https://www.ft.com/content/0bd5e826-2e49-11e7-9555-23ef563ecf9a"><span>Link</span></a> </li> <li> <b>Submitted by listener Quinn Dempsey on Twitter, American Banker –</b><span> JPMorgan defection underscores tough blockchain choices – </span><a href="https://www.americanbanker.com/news/jpmorgan-defection-underscores-tough-blockchain-choices"><span>Link</span></a> </li> <li> <b>Neshoba Democrat –</b><span> The Citizens Bank launching interactive tellers – </span><a href="http://neshobademocrat.com/Content/NEWS/News/Article/The-Citizens-Bank-launching-interactive-tellers/2/297/40892"><span>Link</span></a> </li> <li> <b>FT –</b><span> Investment in insurance tech start-ups drop sharply – </span><a href="https://www.ft.com/content/92ca7cc4-2e72-11e7-9555-23ef563ecf9a?desktop=true&amp;segmentId=7c8f09b9-9b61-4fbb-9430-9208a9e233c8"><span>Link</span></a> </li> <li> <b>Globes –</b><span> Jes Staley sees technology as driving globalisation and changing banking, but says there’ll always be a Barclays. – </span><a href="http://www.globes.co.il/en/article-fintech-wont-challenge-us-1001186735"><span>Link</span></a> </li> <li> <b>Backchannel –</b><span> The AI Cargo Cult – The myth of super hero AI – </span><span><a href="https://backchannel.com/the-myth-of-a-superhuman-ai-59282b686c62">Link</a></span> </li> </ol> <p>The post <a href="https://11fs.com/podcasts/ep247-making-bomad-thing/">Ep247 – Making BOMAD a Thing</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
May 08, 2017
Ep246 – Finding Blockchain’s Feet
55:59
<h2>In this episode</h2> <p>Simon and David sit down with Richard and Maya to discuss the state of the Blockchain. We explore where we are with blockchain and ledger tech, blockchain awareness in the workplace and how we are moving from understanding the technology to applying it in real business situations.</p> <p>We dive deep on whether blockchain can be applied to KYC and whether maybe sometimes a centralised API might be a better idea than a decentralised blockchain.</p> <h2>Guests</h2> <ul> <li> <a href="https://www.linkedin.com/in/rickcrook/"><span>Richard Crook</span></a><span>, Head of Innovation Engineering at RBS</span> </li> <li> <a href="https://www.linkedin.com/in/mayazehavi/"><span>Maya Zehavi</span></a><span>, Vice President of Product at QED-it</span> </li> </ul> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep246-finding-blockchains-feet/">Ep246 – Finding Blockchain’s Feet</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
May 04, 2017
Ep245 – Mandatory Listening
1:16:36
<h2>In this episode</h2> <p>Our last news show at Level39, Aden Davies is on point for the first time, as we dive into the world of ageing plastic cards, whether social networks should be their own police force, there’s an update from the East, and just how legacy banking systems are maintained… the answer is cowboys.</p> <p>Don’t forget you can use our code <strong>11FS17</strong> to save £100 on your ticket to the Global Digital Banking Conference (<a href="http://www.globaldigitalbanking.com/">http://www.globaldigitalbanking.com/</a>).</p> <h2>Guests</h2> <p>Joining us for this week’s analysis of the news:</p> <ul> <li> <a href="https://www.linkedin.com/in/annairrera/">Anna Irrera</a>, Fintech Correspondent at Reuters</li> <li> <a href="https://www.linkedin.com/in/jamesphiliplloyd/">James Lloyd</a>, Asia-Pacific Fintech Leader at EY</li> <li><a href="https://www.linkedin.com/in/ghelaboskovich/">Ghela Boskovich</a></li> </ul> <h2>News this week</h2> <ol> <li> <strong>Engadget</strong> <span>– Smart card Plastc goes under despite $9m in preorders, without shipping a single card – </span><span><a href="https://www.engadget.com/2017/04/20/smart-card-plastc-goes-under/">Link</a></span> </li> <li> <strong>BBC</strong> <span>– Mastercard reveals credit with fingerprint sensor – </span><span><a href="http://www.bbc.co.uk/news/technology-39643453">Link</a></span> </li> <li> <strong>Business Insider</strong> <span>– Allianz goes for Lemonade – </span><span><a href="http://uk.businessinsider.com/allianz-goes-for-lemonade-2017-4">Link</a></span> </li> <li> <strong>Guardian </strong><span><strong>F8 Roundup</strong> – Shark AR, Mind reading technology &amp; group payments – </span><a href="https://www.theguardian.com/technology/2016/apr/13/facebook-f8-developer-event-key-points"><span>Link</span></a> </li> <li> <strong>Bank Innovation</strong> <span>– 5 financial services bots launched at facebook-f8/ </span><a href="http://bankinnovation.net/2017/04/5-financial-services-bots-launched-at-facebook-f8/"><span>Link</span></a><span>  </span> </li> <li> <strong>The Paypers</strong> – <span>Alipay, Wechat Pay reach USD 2.9 trillion online payments in China – </span><span><a href="http://www.thepaypers.com/online-payments/alipay-wechat-pay-make-usd-2-9-trln-online-payments-in-china/768681-3">Link</a></span> </li> <li> <strong>Finextra</strong> – Robinhood app rises $110 million series C at a $1.3bn valuation – <a href="https://www.finextra.com/newsarticle/30486/stock-trading-app-robinhood-raises-110m-at-13bn-valuation"><span>Link</span></a> </li> <li> <span><strong>Token.io</strong> raises $15.7m series A funding from Octopus, EQventures and OP Financial </span>– <a href="http://www.level39.co/news/level39-member-token-raises-15-7m-series-round/"><span>Link</span></a> </li> <li> <strong>Reuters</strong> <span>– Banks scramble to fix old systems as ‘COBOL Cowboys’ ride into the sunset – </span><span><a href="http://www.reuters.com/article/us-usa-banks-cobol-idUSKBN17C0D8">Link</a></span> </li> <li> <span><strong>Techbullion </strong>– Top 10 Fintech Influencers to follow on Twitter </span>– <a href="http://www.techbullion.com/top-10-fintech-influencers-follow-twitter/">Link</a> </li> </ol> <p>The post <a href="https://11fs.com/podcasts/ep245-mandatory-listening/">Ep245 – Mandatory Listening</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p> Special Guest: Ghela Boskovich.
May 02, 2017
Ep244 – Jeremy Burge, Chief Emoji Officer of Emojipedia
23:59
<h2>In this episode</h2> <p>Jeremy Burge joins us to discuss the wonderful world of Emoji. David and Jeremy discuss how emoji are taking over a large amount of communication.</p> <p>Jeremy explains what it means to be part of the Unicode consortium and how misinterpretation happens between companies. Did you know dinosaurs are coming to a phone near you? Find out which two made the cut.</p> <p>We also discuss how companies are using emoji to communicate better across social platforms and in their marketing.</p> <p>“No matter what you say, it jumps out a little bit more if there in an emoji in there.”</p> <p> </p> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep244-jeremy-burge-chief-emoji-officer-emojipedia/">Ep244 – Jeremy Burge, Chief Emoji Officer of Emojipedia</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Apr 28, 2017
Ep243 – Ethical Hacking with Jamie Woodruff and Sergey Pavlovich
31:50
<h2>In this episode</h2> <p>We dive into the interesting world of ethical hacking. Our first guest Jamie Woodruff takes us through his unique university entry, why your computers might not be the cause of your network’s security breach and how posing as a pizza delivery man helped him gain entry into a companies headquarters.</p> <p>Chris then interviews Sergey Pavlovich, a Russian ‘carder’ who made it big defrauding banks, and after a stint in prison, started working to defend against people like him. Sergey tells us about how he earned thousands from stolen credit cards and why working for the good guys works out better in the long run.</p> <h2>Guests</h2> <ul> <li> <a href="https://www.linkedin.com/in/jamiegeek/">Jamie Woodruff</a>, Technical Director at Metrix Cloud LTD</li> <li> <a href="https://www.indiegogo.com/projects/how-to-steal-a-million--2#/">Sergey Pavlovich</a>, Author of How To Steal A Million</li> </ul> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep243-ethical-hacking/">Ep243 – Ethical Hacking with Jamie Woodruff and Sergey Pavlovich</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Apr 26, 2017
Ep242 – Money and Mental Health
36:22
<h2>In this episode</h2> <p>We attend the Money and Mental Health Tech Sprint. With the help of new Fintech Insider host Dr Harriet Bedell-Pearce we explore new ways technology is being applied in Fintech products to foster better lives for those with mental health disorders.</p> <p>We hear about the projects built at the tech sprint to help control volatile spending habits caused by mental challenges, how red-tech can help provide regulators with the data they need to make a difference and how taking a personalised approach to mental well-being projects may the way forward for the industry.</p> <h2>Guests</h2> <ul> <li> <a href="https://www.linkedin.com/in/pollymackenzie">Polly Mackenzie</a>, Director, Money and Mental Health</li> <li> <a href="https://www.linkedin.com/in/jo-hill-04224615/">Jo Hill</a>, Director, Market Intelligence, Data and Analysis at Financial Conduct Authority</li> <li> <a href="https://www.linkedin.com/in/beth-robotham-99653012/?ppe=1">Beth Robotham</a>, Head of Business Development, Bupa UK</li> <li> <a href="https://www.linkedin.com/in/marcusthornley/">Marcus Thornley</a>, Founder, Play Consulting</li> </ul> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep242-money-and-mental-health/">Ep242 – Money and Mental Health</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Apr 24, 2017
Ep241 – Gerhard Coetzee, Lead Financial Sector Specialist at CGAP
18:29
<h2>In this episode</h2> <p>Gerhard Coetzee is making a real difference in the world of financial inclusion. As Lead Financial Sector Specialist at CGAP, he leads the technical areas of customer and provider solutions that include customer centric business models, digital finance and smallholder families.</p> <p>Simon Taylor caught up with him to find out about the challenges he faces and why customer-centric design and partnerships are so central to his approach.</p> <p>“If you do not understand the customer, the poor person in their life, the challenges they have, the pain points they face, then it will be very difficult to provide a service that they will use.”</p> <p>“I believe strongly in living your life in such a way that when you leave something, it is better than the way you found it.”</p> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep241-gerhard-coetzee-customer-centric-design/">Ep241 – Gerhard Coetzee, Lead Financial Sector Specialist at CGAP</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Apr 21, 2017
Ep240 – Innovate Finance – THE Global Summit of FinTech
55:02
<h2>In this episode</h2> <p>We’re at the 2017 Innovate Finance Global Summit, one of the most prestigious conferences for the financial technology industry. This annual event provides a platform that convenes the world’s global institutions together with startups, policy makers and investors to share ideas and solutions to the challenges facing financial services.</p> <h2>Guests</h2> <ul> <li> <a href="https://www.linkedin.com/in/lawrencewintermeyer/">Lawrence Wintermeyer</a>, CEO of Innovate Finance</li> <li> <a href="https://www.linkedin.com/in/nogden/">Nick Ogden</a>, Executive Chairman of Clear Bank</li> <li> <a href="https://www.linkedin.com/in/microsofta2z/">Richard Peers</a>, Director of Financial Services Industry at Microsoft</li> <li> <a href="https://www.linkedin.com/in/johnedge/">John Edge</a>, Chairman of Identity 2020</li> <li> <a href="https://www.linkedin.com/in/clairecalmejane/">Claire Calmejane</a>, Director of Innovation at Lloyds Banking Group</li> </ul> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep240-innovate-finance-global-summit-fintech/">Ep240 – Innovate Finance – THE Global Summit of FinTech</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Apr 19, 2017
Ep239 – Alessandro Hatami, Managing Partner at The Pacemakers
33:36
<h2>In this episode</h2> <p>Alessandro Hatami started with road building in Africa as an engineer, on to direction setting at Lloyds and now he is helping traditional business find and engage with the right digital services partners at The Pacemakers.</p> <p>11:FS CEO, and ex-colleague of Alessandro, David Brear sat down to find out more about helping large organisations be innovative, how partnering in FinTech is replacing the disruptive narrative and the impacts of Brexit on all of the above.</p> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep239-alessandro-hatami-managing-partner-pacemakers/">Ep239 – Alessandro Hatami, Managing Partner at The Pacemakers</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Apr 17, 2017
Ep238 – Ashok Vaswani, CEO of Barclays UK
19:14
<h2>In this episode</h2> <p><span>From dreams of running a five-star hotel to the reality of running a five-star bank, Ashok Vaswani, the CEO of Barclays UK, speaks with Simon Taylor about culture, digital transformation challenges and opportunities, frontline empowerment and how Simon might be able to buy a Lamborghini in the future. </span></p> <p><span>“We touch 24 million customers in the UK, so 63 million people, if you humour me, and say 15 million less than 15 years of age, that leaves 48, we touch one out of every two people in the UK. Now, that’s an awesome position to be in, right?“</span></p> <p>“I’ve now started having dinners with CEOs of other businesses, other industries, corporate clients of ours, and saying, “Hey, you guys are big, big in your-,” you know, people like British Airways, AIG, GE, Day Lewis, all these big companies, and say, “You guys are struggling with the same thing, we’re struggling with the same thing, can we actually talk together and, you know, do stuff.””</p> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep238-ashok-vaswani-ceo-barclays-uk/">Ep238 – Ashok Vaswani, CEO of Barclays UK</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Apr 14, 2017
Ep237 – Barclays Takeover!
47:34
<h2>In this episode</h2> <p>Barclays takeover! Over the years, Barclays have pioneered tech in financial services, from the first UK bank to launch the ATM, to their award-winning app. We sit down with four excellent guests, including CEO Ashok Vaswani, to discuss the impact of PSD2; the challenges and opportunities that come with being a 357-year-old bank; how to attract fresh talent in a world filled with tempting FinTech startups; and more.</p> <h2>Guests</h2> <ul> <li> <a href="https://www.linkedin.com/in/ashokvaswani/">Ashok Vaswani</a>, CEO</li> <li> <a href="https://www.linkedin.com/in/catherine-mcgrath-76267153/">Catherine McGrath</a>, Managing Director of Transaction Products and Payments</li> <li> <a href="https://www.linkedin.com/in/ruchir-rodrigues-a921b2/">Ruchir Rodrigues</a>, Managing Director of Digital &amp; Open Banking</li> <li> <a href="https://www.linkedin.com/in/frankie-woodhead-11144928/">Frankie Woodhead</a>, Director of Commercial &amp; Channels – Business Lending</li> </ul> <h2>Highlights</h2> <h3>On PSD2</h3> <p>“I’m hugely excited about it. I think, as a customer, it’s going to present me with completely different opportunities about how to manage my finances, and, as Barclays, we are right in at the heart of that, and helping that happen. I want to be confident that I can recommend to my friends and family that they should feel comfortable to move their data around, so we need to make sure that we’ve got customer protection at the core, so I feel safe, which means I can get all those great competitive advantages.” – Catherine McGrath</p> <h3>On omnichannel</h3> <p>“Customers never think of, “I want to go to a channel,” or, “I want to go omnichannel.” They’re saying, “I want to be served by Barclays.” That’s how people look at it, and that’s exactly our view. So the question for us is, how do you solve a customer need? And what is the need you are trying to solve for? It’s not about which channel you want customers to come to, it’s about what do they want? Is it convenient?” – Ruchir Rodrigues</p> <h3>On scale and risk taking</h3> <p>‘’I can count ten programmes where we’ve spent a lot of money on, and frankly they haven’t gone anywhere, right? Okay, we thought it was a great idea, we made a mistake, we drank a glass of water, it was over, we move to the next thing, right? I mean, the speed of change is so rapid that to think that everybody’s going to get everything right is foolhardy, right? So having the ability to actually do it, having a culture where everyone, as a team, we are committed, we are just absolutely committed to making this happen, so we’re putting our money where our mouth is. ‘ Ashok Vaswani</p> <h3>On looking outside of banking</h3> <p>“I think it’s as important to look at non-competitors, I saw WhatsApp launching p2p payments in India, Alibaba and what they’re doing […] in Asia and the APAC region, we have to not just look at banks. We have to look outside of industry and what’s going off, because that’s going to be more important, in my view, in the next five to ten years.” – Frankie Woodhead</p> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep237-barclays-takeover/">Ep237 – Barclays Takeover!</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Apr 12, 2017
Ep236 – Hangover Deep
1:00:18
<h2>In this episode</h2> <p>The day after the 11:FS birthday bash, we get hangover deep on FinTech Insider News – misquoting American presidents and everything when discussing the U.S. Congress’ decision to let ISPs sell your web browsing history to anyone without permission.</p> <p>“What’s interesting is that Facebook and Google, and especially Apple, have been pushing back on government requests for data quite publicly – and probably quite a bit more, privately.” Simon says. “Whereas the ISPs weren’t. The ISPs’ selling point here is, ‘Well, we’ve been selling you data forever on everything you want to see, give us this access and you’ll get to see everything you want to see on a terrorism standpoint.’ There’s an Abraham Lincoln quote, and I’m going to butcher it, but it’s something like, ‘If It’s liberty or security, I’d take liberty every single day,’ and I’d be willing to sacrifice a little bit of security for it. We seem to have lost that, in society, to a certain degree.”</p> <p>Give us liberty or give us death (just to throw another American patriot into the mix).</p> <h2>Guests</h2> <p>Joining us for this week’s analysis of the news:</p> <ul> <li> <a href="https://www.linkedin.com/in/richardmorgans/">Richard Morgans</a>, Head of digital lab &amp; fintech ecosystems at TSB</li> <li> <a href="https://www.linkedin.com/in/misha-jessel-kenyon-63777689/">Misha Jessel-Kenyon</a>, Publishing Manager at Raconteur</li> <li> <a href="https://www.linkedin.com/in/alipaterson1/">Ali Paterson</a>, Editor in Chief at Fintech Finance</li> </ul> <h2>News this week</h2> <ol> <li> <strong>Reuters</strong> – Financial institutions risk 24 percent revenue loss from FinTech: PwC – <a href="http://mobile.reuters.com/article/idUSKBN177312">Link</a> </li> <li> <strong>Finextra</strong> – FCA vows to tackle fraud on lost and stolen contactless cards – <a href="https://www.finextra.com/newsarticle/30371/fca-vows-to-tackle-fraud-on-lost-and-stolen-contactless-cards">Link</a> </li> <li> <strong>The Asian Age </strong>– Hackers use ‘disappearing malware,’ steal $800,000 from ATMs – <a href="http://www.asianage.com/technology/in-other-news/040417/hackers-use-disappearing-malware-steal-800000-from-atms.html">Link</a> </li> <li> <strong>Quartz</strong> – Set up a VPN in 10 minutes for free – and yes, Americans urgently need one, thanks to Congress – <a href="https://qz.com/945261/how-to-get-a-personal-vpn-and-why-you-need-one-now/">Link</a> </li> <li> <strong>The Next Web</strong> – Amazon Cash eliminates need for bank cards – <a href="https://thenextweb.com/money/2017/04/03/amazon-cash-eliminates-need-bank-cards/#.tnw_V52pjZeN">Link</a> </li> <li> <strong>Finextra</strong> – Visa and top UK banks get behind launch of Amazon Business – <a href="https://www.finextra.com/newsarticle/30378/visa-and-top-uk-banks-get-behind-launch-of-amazon-business?utm_medium=newsflash&amp;utm_source=2017-4-4">Link</a> </li> <li> <strong>TechCrunch</strong> – WhatsApp will reportedly launch peer-to-peer payments in India within 6 months – <a href="https://techcrunch.com/2017/04/03/whatsapp-india-peer-to-peer-payments/?ncid=rss&amp;utm_source=dlvr.it&amp;utm_medium=twitter">Link</a> </li> <li> <strong>PYMNTS</strong> – Moblie wallet adoption: whare are we 2.5 years in? – <a href="http://www.pymnts.com/mobile-wallet-adoption-2017/">Link</a> </li> <li> <strong>Computer</strong> – OCBC Bank uses AI-powered chatbot to answer home and renovation loan queries – <a href="https://www.computerworld.com.sg/resource/applications/ocbc-bank-uses-ai-powered-chatbot-to-answer-home-and-renovation-loan-queries/">Link</a> </li> <li> <strong>The Register</strong> – Banking group denied access to iPhones’ NFC chips for alt.Apple.Pay – <a href="https://www.theregister.co.uk/2017/04/03/banking_group_denied_access_to_iphones_nfc_chips_for_altapplepay/?utm_source=dlvr.it&amp;utm_medium=twitter">Link</a> </li> <li> <strong>YouTube</strong> – Louis Cole – Bank Account Song – <a href="https://www.youtube.com/watch?v=dAH4zGd_W1s&amp;spfreload=10">Link</a> </li> </ol> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep236-hangover-deep/">Ep236 – Hangover Deep</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Apr 10, 2017
Ep235 – Alipay’s Rita Liu on Consumer Pain Points Driving Global Expansion
14:24
<h2>In this episode</h2> <p>Alipay dominates financial news. On FinTech Insider, we joke about creating a jingle for ‘Alipay does a thing.’ What’s really interesting to us about Alipay is the Ant Financial business model of ‘payments as a wedge product’ to drive other financial services. We talk to a lot of banks now that want to become marketplaces, having looked at Alibaba and Alipay as the model to copy. In this episode, Rita Liu, Head of Alipay Europe, Middle East, and Africa, talks to us about Alipay’s growth ambitions and why China is such an exciting region for FinTech and financial services.</p> <p>“We have been active in the global market for a while, all driven by our consumers’ needs,” Rita says. “Alipay is the most popular online payment option for Chinese buyers. So we have been distributing Alipay as a payment option for ecommerce players outside of China.</p> <p>“In China, mobile wallet has become an increasingly popular way to pay in the physical world, and that is driving us to do the same in the global market. We follow the Chinese tourists’ footprint in the world, to enable the merchants to be able to offer the same experience that our users can have in China while they travel. So that’s why we have started to develop merchant acceptance in the physical world, to accept Alipay.”</p> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep235-alipay-rita-liu-driving-global-expansion/">Ep235 – Alipay’s Rita Liu on Consumer Pain Points Driving Global Expansion</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Apr 07, 2017
Ep234 – RegTech Chaos Monkey
53:44
<h2>In this episode</h2> <p>RegTech is sexy. No, really, it is! RegTech goes beyond developing new technology to meet regulatory requirements – and it does more than save banks money. It’s about automating manual tasks and upskilling humans so their new work makes them feel valued. It’s about helping customers get better advice and service. It’s about making sure the business doesn’t come crashing down when the person in charge of the spreadsheet moves on.</p> <p>In this episode of FinTech Insider, we’ve assembled an expert team to explain what RegTech is and how to take advantage of this opportunity –  and imperative – to transform your business (you’ll also learn about Jason’s regulation chaos monkey idea ????).</p> <h2>Guests</h2> <ul> <li> <a href="https://www.linkedin.com/in/nick-cook-15a30b12/">Nick Cook</a>, Head of Market Intelligence, Data, and Analysis at the Financial Conduct Authority</li> <li> <a href="https://www.linkedin.com/in/michellekatics/">Michelle Katics</a>, Co-Founder and CEO, PortfolioQuest &amp; BankersLab</li> <li> <a href="https://www.linkedin.com/in/dianartemis3paredes/">Diana Paredes</a>, CEO &amp; Co-founder at Suade Labs</li> <li> <a href="https://uk.linkedin.com/in/elikhoded">Evgeny Likhoded</a>,  Co-Founder and CEO at ClauseMatch</li> </ul> <p>Enjoying FinTech Insider? Tell a friend about us and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>. Consider it a birthday present to us – 11:FS turns 1 today! ????</p> <p>The post <a href="https://11fs.com/podcasts/ep234-regtech-chaos-monkey/">Ep234 – RegTech Chaos Monkey</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Apr 05, 2017
Ep233 – Article 50: Signing the Divorce Papers
1:20:59
<h2>In this episode</h2> <p>Article 50. Well, we went through with it and signed the divorce papers. Does the triggering of Article 50 put FinTech at risk in the UK? On this episode of FinTech Insider News, you’ll hear a range of opinions, from fear the UK is throwing away its work to lead the globe in FinTech, to optimism that London has the talent and regulatory regime to remain one of the world’s greatest cities. We also talk about BBVA joining Hyperledger; Alibaba and Tencent and the coming FinTech boom; and <a href="http://elevenfs.wpengine.com">11:FS celebrating its first birthday</a> ????????????</p> <p>As part of this milestone, we’ve officially launched <a href="/services/11fs-pulse/">11:FS Pulse, our competitor insights research platform</a>. We think you’ll love it.</p> <h2>Guests this week</h2> <ul> <li> <a href="https://www.linkedin.com/in/paul-titterton-b733857/">Paul Titterton</a>, Managing Director at Barclays</li> <li> <a href="https://www.linkedin.com/in/kadhim/">Kadhim Shubber</a>, Reporter at the Financial Times</li> </ul> <h2>News this week</h2> <ol> <li>Crowdfund Insider – Lawrence Wintermeyer, CEO of Innovate Finance, says triggering of Article 50 puts FinTech at risk – <a href="https://www.crowdfundinsider.com/2017/03/97917-lawrence-wintermeyer-ceo-innovate-finance-says-triggering-article-50-puts-fintech-risk/">Link</a> </li> <li>Parliament – Time to act on ‘unacceptable’ level of UK financial exclusion – <a href="https://www.parliament.uk/business/committees/committees-a-z/lords-select/financial-exclusion/news-parliament-2015/financial-exclusion-report-published/">Link</a> </li> <li>Economist – An earthquake in European banking – <a href="http://www.economist.com/news/finance-and-economics/21719500-new-payments-regulation-has-potential-shake-up-banks-earthquake">Link</a> </li> <li>Gizmodo – 5 reasons why the Home Secretary’s proposed encryption ban is aggressively stupid – <a href="http://www.gizmodo.co.uk/2017/03/5-reasons-why-the-home-secretarys-proposed-encryption-ban-is-aggressively-stupid/?utm_content=buffer63381&amp;utm_medium=social&amp;utm_source=facebook&amp;utm_campaign=buffer-gizmodoukfb">Link</a> </li> <li>BBVA – BBVA joins Hyperledger, the top open-source blockchain community – <a href="https://www.bbva.com/en/news/economy/financial-and-commercial-services/fintech/bbva-joins-hyperledger-top-open-source-blockchain-community/">Link</a> </li> <li>LinkedIn – Making people a competitive advantage in a digital age – <a href="https://www.linkedin.com/pulse/making-people-competitive-advantage-digital-age-paul-titterton">Link</a> </li> <li>Venture Beat – Payments company Square launches in the U.K., its first European market and fifth globally – <a href="https://venturebeat.com/2017/03/28/payments-company-square-launches-in-the-u-k-its-first-european-market-and-fifth-globally/">Link</a> </li> <li>Barrons – Alibaba and Tencent and the coming FinTech Boom – <a href="http://www.barrons.com/articles/alibaba-and-tencent-and-the-coming-fintech-boom-1490424026">Link</a> </li> <li>Quartz – The world’s most secure coin debuts in the UK – <a href="https://qz.com/942941/the-worlds-most-secure-coin-debuts-in-the-uk-today/">Link</a> </li> </ol> <p>Enjoying FinTech Insider? Tell a friend about us, and please <a href="http://goo.gl/6wM9ul">leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep233-article-50-signing-divorce-papers/">Ep233 – Article 50: Signing the Divorce Papers</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Apr 03, 2017
Ep232 – Loot CEO Ollie Purdue on Creating a New Banking Experience at Age 20
16:42
<h2>In this episode</h2> <p>What were you doing when you were 20 years old? Ollie Purdue was studying law…and founding a company to transform the banking experience. He didn’t want to be a lawyer, or a banker, but he did want to solve a problem facing many students: budgeting and forecasting how much money they’ll have and need every month.</p> <p>“At the time I was studying, I kept getting really frustrated with my bank account. It was just unable to tell me basic things about money, and that’s, kind of, what a bank’s meant to do, right?” Ollie says. “My bank wouldn’t tell me, when I got paid, how long that money will last. It wouldn’t tell me where I can cut down on my spending, and it wouldn’t tell me if my spending’s normal. So I was in a position where I never really understood my money, and I just didn’t get it, and then I tried budgeting apps and things like that, and they were really clunky…So it became really clear that a bank needed to be much smarter with data, and present that in a better way, and that’s kind of where it started.”</p> <p>Like FinTech Insider? Tell a friend about your favourite episode. And please <a href="http://goo.gl/6wM9ul">leave us a review on iTunes</a> – it helps people discover us.</p> <p>The post <a href="https://11fs.com/podcasts/ep232-loot-ceo-ollie-purdue-creating-new-banking-experience-age-20/">Ep232 – Loot CEO Ollie Purdue on Creating a New Banking Experience at Age 20</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Mar 31, 2017
Ep231 – Singapore FinTech – The Insider Scoop
45:16
<h2>In this episode</h2> <p>A lot has been happening in the Singapore FinTech scene recently. The Monetary Authority of Singapore (MAS) is bound to invest more than $225 million Singapore dollars, or $158 million US dollars in FinTech by the end of 2020, and there’s a lot of hope that this can cut out costs from back office systems, and become truly transformational for the market and the region. In this episode, we take a step back, and, with help from FinTech experts in the field, paint a rich picture of what’s happening in Singapore today.</p> <h2>Our guests</h2> <p><a href="https://www.linkedin.com/in/annahaotanto/"><span>Anna Vanessa Haotanto</span></a><span>, CEO of The New Savvy; Business Development Director at Tera Capital<br> </span><a href="https://www.linkedin.com/in/vissergerben/"><span>Gerben Visser</span></a><span>, Co-Founder of Singapore FinTech Consortium<br> </span><a href="https://www.linkedin.com/in/joe-seunghyun-cho-4684881a/"><span>Joe Seunghyun Cho</span></a><span>, CEO at LATTICE80; Co-founder and Chairman at Marvelstone Group<br> </span><a href="https://www.linkedin.com/in/scottbales/"><span>Scott Bales</span></a><span>, Managing Director at Innovation Labs Asia<br> </span><a href="https://www.linkedin.com/in/analogvarun/"><span>Varun Mittal</span></a><span>, Associate Director, Asia-Pacific FinTech at EY</span></p> <p>Enjoying FinTech Insider? <a href="http://goo.gl/6wM9ul">Please leave us a review on iTunes</a> – this helps people discover us.</p> <p>The post <a href="https://11fs.com/podcasts/231-singapore-fintech-insider-scoop/">Ep231 – Singapore FinTech – The Insider Scoop</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Mar 30, 2017
Ep230 – A Proper FinTech Geek Moment
1:16:54
<h2>In this episode</h2> <p>We’re very excited about the launch of <a href="https://www.clear.bank/home">Clear Bank</a>, the first clearing bank to be authorized in the UK for nearly 250 years. There’s been a lot of business model innovation at the front end – we’ve seen apps doing more convenient FX, more convenient remittance, we’ve even seen peer-to-peer payments, but nobody’s really attacked the rails.</p> <p>“This is where I’m super excited to see FinTech go. This is a proper, proper geek moment,” says guest <a href="https://twitter.com/sarahkocianski?lang=en">Sarah Kocianski</a>, Senior Research Analyst, FinTech, at Business Insider Intelligence. “There has been a lot of interesting stuff on personal finance management, consumer banks – that’s happened already – but for any kind of change to happen in the wider financial services ecosystem, those back ends have got to be updated. They’ve got to be upgraded. They’ve got to be using Cloud and API. That’s why this story really, really excites me. Because I think now we’ve got that key piece of the infrastructure. We can start to see movement. They’re not just looking to serve FinTechs. They’re going to try and serve the big guys, too. You can speed up your processes. You can innovate more easily if you connect with these guys.”</p> <h2>Our guests</h2> <p><a href="https://twitter.com/alexanderball?lang=en">Alexander Ball</a>, Managing Fintech Consultant at ING</p> <h2>News this week</h2> <ol> <ol> <li> <span>Finextra – Innovate Finance launches ambassador programme – </span><a href="https://www.finextra.com/pressarticle/68499/innovate-finance-launches-ambassador-programme/retail"><span>Link</span></a> </li> <li> <span>City A.M. – House of Fraser owner Sanpower pulls investment in digital challenger bank Tandem – </span><a href="http://www.cityam.com/261278/house-fraser-owner-sanpower-pulls-investment-digital"><span>Link</span></a> </li> <li> <span>Bloomberg – Ant Financial said considering higher offer for MoneyGram – </span><a href="https://www.bloomberg.com/news/articles/2017-03-20/ant-financial-is-considering-higher-offer-for-moneygram"><span>Link</span></a> </li> <li> <span>Business Insider – French officials are in London again wooing fintech and finance firms to Paris post-Brexit – </span><a href="http://uk.businessinsider.com/french-officials-woo-london-fintech-finance-paris-post-brexit-2017-3"><span>Link</span></a> </li> <li> <span>Forbes – Digital disruption has arrived in FinTech – </span><a href="https://www.forbes.com/sites/lawrencewintermeyer/2017/03/17/digital-disruption-has-arrived-in-fintech/#5fb0748670f9"><span>Link</span></a> </li> <li> <span>City A.M. FinTech startup and challenger bank Revolut’s launching an Amazon Prime-style subscription for banking – </span><a href="http://www.cityam.com/261498/fintech-startup-and-challenger-bank-revoluts-launching"><span>Link</span></a> </li> <li> <span>banking technology – Bank of England teams with Ripple for cross-border payments – </span><a href="http://www.bankingtech.com/775302/bank-of-england-teams-with-ripple-for-cross-border-payments/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=bank-of-england-teams-with-ripple-for-cross-border-payments"><span>Link</span></a> </li> <li> <span>Reuters – Goldman building robo-adviser to give investment advice to the masses – </span><a href="http://www.reuters.com/article/us-goldman-sachs-wealth-idUSKBN16R2LC"><span>Link</span></a> </li> <li> <span>Bank Innovation – Watson tools are coming to FinTech developers – </span><a href="http://bankinnovation.net/2017/03/watson-tools-are-coming-to-fintech-developers/"><span>Link</span></a> </li> <li> <span> ZDNet – Westpac Keyboard launches through Facebook, Twitter – </span><a href="http://www.zdnet.com/article/westpac-keyboard-launches-through-facebook-twitter/"><span>Link</span></a><span> </span> </li> <li> <span>BBC – Mountain man: The bank boss who reached the top aged 33 – </span><a href="http://www.bbc.co.uk/news/business-39303747"><span>Link</span></a> </li> </ol> </ol> <p>Enjoying FinTech Insider? Share with someone you love. Or at least with someone you want to impress. Also, <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a> – you’ll make our week!</p> <p>The post <a href="https://11fs.com/podcasts/ep230-a-proper-fintech-geek-moment/">Ep230 – A Proper FinTech Geek Moment</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Mar 27, 2017
Ep229 – 10x CEO Antony Jenkins on Startup Life and the Future of Banking
19:28
<h2>In this episode</h2> <p>Antony Jenkins, former CEO of Barclays, has spent 35 years working in large financial services institutions. He says that it struck him that, although there’s a lot of technology in banks, it doesn’t help much when it comes to improving the customer experience or lowering costs, and it hasn’t improved the reputation of banks within society. He founded <a href="https://www.10xbanking.com">10x</a> to create a new banking experience — one that is more diverse, open, and fair. In this episode, he talks to us about his new company, the future of banking, and the transition from running one of the biggest banks in the world to founding a startup.</p> <p>“When I left Barclays, I began to look at what was happening, not only in the FinTech scene, but also with the underlying technologies. I became convinced that there was an opportunity to create the beginnings of a very different way of doing banking,” Antony says. “We set up 10x to deliver the capability to do that. It’s basically a full set of capabilities that a bank would need to operate. I like to think of it as providing better functionality than a neobank at lower cost than a big bank, and in a much more transparent way. That’s what we’re building at 10x.”</p> <p>If you enjoy FinTech Insider, please recommend us to a friend and <a href="http://goo.gl/6wM9ul">leave us a review on iTunes</a>. This brings joy to our hearts, and also helps people discover us.</p> <p>The post <a href="https://11fs.com/podcasts/ep229-10x-ceo-antony-jenkins-future-banking/">Ep229 – 10x CEO Antony Jenkins on Startup Life and the Future of Banking</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Mar 24, 2017
Ep228 – Challenger Banks: The Battle Begins
35:59
<h2>In this episode</h2> <p>We’ve brought together some of our favourite folks from the world of FinTech challenger banks. In this episode, we talk to Starling, Fidor, and Loot about their business models, who their customers are, and how they’re using technology and data to provide a great customer experience. We also discuss the challenges they’re facing, what agile really means, and what’s coming up for them in 2017. Enjoy the show!</p> <h2>Our guests</h2> <p><a href="https://twitter.com/megancaywood?lang=en">Megan Caywood</a>, the Chief Platform Officer at Starling Bank<br> <a href="https://twitter.com/SophieGuibaud?lang=en">Sophie Guibaud</a>, the Vice President of European Expansion at Fidor<br> <a href="https://twitter.com/Olliepurdue?lang=en">Ollie Purdue</a>, Founder and CEO at Loot</p> <p>“We like to spend a lot of time talking with our customers,” Megan says, “not just usability sessions, but chatting with them and understanding how they’re currently using their banking products and where those pain points are. What we hear time and again is that what they’re used to expecting –  seamlessness and ease of use from other apps and products – just isn’t what they see from their bank.”</p> <p>Learned something cool on today’s podcast? It would make our week if you told a friend about us and gave us a little <a href="http://goo.gl/6wM9ul">shout out on iTunes</a>. Thank you!</p> <p>The post <a href="https://11fs.com/podcasts/challenger-banks-battle-begins/">Ep228 – Challenger Banks: The Battle Begins</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Mar 22, 2017
Ep227 – Tantric Blockchain and Other FinTech Fun
1:08:28
<h2>In this episode</h2> <p>On this episode of FinTech Insider we cover all sorts of intrigue, from money laundering, to tantric blockchain, to narcotics. Of course, we also analyze the latest FinTech headlines so you don’t have to, and interview some of our favourite folks at <a href="https://www.solarisbank.de">solarisBank</a> and <a href="http://www.getpenta.com">Penta</a>. Thank you to our guests for another fun episode.</p> <h2>Our guests</h2> <p><a href="https://twitter.com/montymunford?ref_src=twsrc%5Egoogle%7Ctwcamp%5Eserp%7Ctwgr%5Eauthor"><span>Monty Munford</span></a><span>, writer for The Economist, BBC, Forbes, and Fast Company, and Founder of Mob76<br> </span><a href="https://twitter.com/megancaywood?lang=en"><span>Megan Caywood</span></a><span>, Chief Platform Officer at Starling Bank<br> </span><a href="https://twitter.com/sophieguibaud?lang=en"><span>Sophie Guibaud</span></a><span>, Vice President European Expansion at Fidor </span></p> <h2>News stories</h2> <ol> <ol> <li> <span>Forbes – Meet The European banks of the future…you might even like them – </span><a href="https://www.forbes.com/sites/montymunford/2017/03/13/meet-the-european-banks-of-the-future-you-might-even-like-them/3/#1e9c55be77a6"><span>Link</span></a> </li> <li> <span>Business Insider – German FinTech startup solarisBank raises €26.3 million and lands Deutsche Bank exec as CEO – </span><a href="http://uk.businessinsider.com/german-fintech-solarisbank-raises-263-million-to-take-on-asia-2017-3"><span>Link</span></a> </li> <li> <span>Pymnts – Penta launches to help SMEs cherry-pick banking services – </span><a href="http://www.pymnts.com/news/b2b-payments/2017/penta-solarisbank-sme-small-business-banking-finance-financial-services-finserv-startup/"><span>Link</span></a> </li> <li>Mastercard – Prepaid card programmes in France (no link)</li> <li> <span>Independent – Banks are getting bigger, not smaller. Clearly they learnt nothing from the 2008 financial crisis – </span><span><a href="http://www.independent.co.uk/voices/banks-still-haven-t-learnt-their-lessons-from-the-financial-crash-a7625311.html">Link</a></span> </li> <li> <span>FT – Lloyds to transfer 1,900 staff to IBM in IT outsourcing deal – </span><a href="https://www.ft.com/content/8595e7a2-076f-11e7-97d1-5e720a26771b"><span>Link</span></a> </li> <li> <span>City A.M. – Digital challenger Starling Bank is launching in beta – </span><span><a href="http://www.cityam.com/261040/digital-challenger-starling-bank-launching-beta">Link</a></span> </li> <li> <span>Quartz – The influence of Uber ratings is about to be felt in the hallways of one of the world’s largest banks – </span><a href="https://qz.com/930080/jp-morgan-chase-is-developing-a-tool-for-constant-performance-reviews/"><span>Link</span></a><span> </span> </li> </ol> </ol> <p>Are we one of your favs? If so, please tell a friend about our podcast, and <a href="http://goo.gl/6wM9ul">leave FinTech Insider a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep227-tantric-blockchain-fintech-fun/">Ep227 – Tantric Blockchain and Other FinTech Fun</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Mar 20, 2017
Ep226 – FCA Policy Director David Geale on the Thought Behind the Regulatory Sandbox
7:41
<h2>In this episode</h2> <p>The  Financial Conduct Authority’s progressive regulatory policies have been credited with helping to make London one of the world’s finest FinTech centres. <a href="http://elevenfs.wpengine.com.uk/podcasts/ep126-building-fca-sandbox/">In episode 126 of FinTech Insider</a>, we spoke with several participants of the FCA’s regulatory sandbox, created as a ‘safe space’ for startups and companies to test ideas before becoming fully regulated. In this episode, we interview FCA Policy Director David Geale on the thought behind the sandbox, and more. Enjoy the show!</p> <p>“The sandbox is there for firms who really need to test in a live environment,” David says. “The example I often give is around disclosure. If I actually present something to you and say, ‘This is the current disclosure, here’s a new version, which one of these do you prefer? Which one of these do you understand?’ well, to a degree, that’s cheating. It’s better than nothing in terms of testing, but you’ve cheated, because you’ve got people to read it in the first place, and that’s generally the core challenge, is getting people to engage, getting people to read. So if you can test that in a live environment, and say, ‘Okay, we know what you would have had, now what’s the difference in actual behaviour with this new form,’ or new style, maybe digital disclosure, for example, you can actually really see the impact of the results.”</p> <p>Enjoy the show! If you like what you hear, subscribe, review us on <a href="http://goo.gl/6wM9ul">iTunes</a>, and follow us on <a href="https://www.facebook.com/Fintechinsider/">Facebook</a> and <a href="https://twitter.com/FinTechInsiders">Twitter</a>. You can always email us at <a href="mailto:fintechinsider@11fs.co.uk">fintechinsider@11fs.co.uk</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep226-fca-policy-director-david-geale/">Ep226 – FCA Policy Director David Geale on the Thought Behind the Regulatory Sandbox</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Mar 17, 2017
Ep225 – Rotten to the Core Banking
40:57
<h2>In this episode</h2> <p>Technology is failing banking. Bankers know what a great customer experience should look like, but they’re often prevented from delivering on that due to ancient legacy systems. And as long as they operate in a cobbled environment with 1,000 subsystems, they will never have a truly digital bank. Meaning they can’t compete with the banks that will win in the future. But don’t despair. Our guests discuss the steps to take to create a state-of-the-art core banking system that can deliver next-gen solutions.</p> <h2>Our guests</h2> <p><span>Mark Warrick, Director of Creative &amp; Design at Thought Machine<br> </span><span>Ben Robinson, Chief Strategy Officer at Temenos<br> </span><span>Conor Fennelly,</span><span> CEO at Leveris</span></p> <p>“The nature of this problem is systemic, it’s not symptomatic,” Conor says. “Banks are not afraid to invest in their technology. In fact, they invest massively in technology. The real issue is that it’s not effective spend, and the real problem facing most CEOs or boardrooms in banks is the risk associated with making the move.</p> <p>“Banks are not monolithic systems, they’re made up of hundreds of subsystems. If you want to make a change in those subsystems, you’ve got to regress your testing through the entire environment. That’s the reason why 80% of your cost is in running the bank, and only 20% can be in change. In fact, it’s probably more exaggerated than that. If you want to make a change, you’ve got to build an architecturally superior system.”</p> <p>Enjoying FinTech Insider? Tell a friend about us. And please <a href="http://goo.gl/6wM9ul">leave us a review on iTunes</a>. You’ve been meaning to for awhile. Today is the day!</p> <p>The post <a href="https://11fs.com/podcasts/ep225-core-banking/">Ep225 – Rotten to the Core Banking</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Mar 15, 2017
Ep224 – Taking the Bull by the Horns
1:04:01
<h2>In this episode</h2> <p>Taking the bull by the horns. We absolutely loved the statue that Wall Street fund manager State Street installed as part of International Women’s Day. A bronze girl faces the bull of Wall Street as part of a campaign to encourage companies to put more women on their boards. FinTech Insider co-host Simon Taylor saw a second message in the symbolism: State Street will protect your money, standing up to the scary market without fear. Another best-in-class example of good marketing this week: the customer communications that came out of the FinTech firms’ outage. Monzo, Loot, and other companies got a thumbs up from customers for the transparent way they managed the issue. Hear all about this and more on this week’s FinTech Insider News.</p> <h2>Guests this week</h2> <p><a href="https://twitter.com/andrasonea">Andra Sonea</a> – Fellow at Anthemis Group<br> <a href="https://twitter.com/JeffTijssen">Jeff Tijssen</a> – Head of FinTech &amp; Digital Partnerships at Capco<br> <a href="https://twitter.com/AliPaterson">Ali Paterson</a> – Editor in Chief at Fintech Finance</p> <h2>In the news this week</h2> <ol> <ol> <li> <b>City A.M. </b><span>– More than half a dozen fintech firms hit by outage – </span><a href="http://www.cityam.com/260282/more-than-half-dozen-fintech-firms-hit-outage"><span>Link</span></a><span> </span> </li> <li> <b>Coindesk </b><span>– Dubai Claims title of world capital of blockchain and DLT </span><span><a href="http://www.coindesk.com/dubai-government-claims-title-blockchains-global-capital/">link</a></span> </li> <li> <b>Coin Desk</b><span> – Texas lawmaker proposes constitutional right to own bitcoin – </span><a href="http://www.coindesk.com/texas-lawmaker-proposes-constitutional-right-bitcoin/"><span>Link</span></a> </li> <li> <b>Business Insider</b><span> – The US government is defending its FinTech charter – </span><a href="https://digiday.com/marketing/financial-reform-friend-foe-fintech-startups/"><span>Link</span></a> </li> <li> <b>Reuters </b><span>– Canadian regulator says open data essential to fintech – </span><a href="http://www.reuters.com/article/us-canada-regulator-idUSKBN16D2R8"><span>Link</span></a> </li> <li><b>FT <span>– China overtakes eurozone as world’s biggest bank system – </span><span><a href="https://www.ft.com/content/14f929de-ffc5-11e6-96f8-3700c5664d30">Link</a></span></b></li> <li> <b>Forbes</b><span> – The effect of travel bans on FinTech – </span><a href="https://www.forbes.com/sites/madhvimavadiya/2017/03/06/travel-ban-fintech/#4f4aed80681d"><span>Link</span></a> </li> <li> <b>Wired</b><span> – UK banks fund £5m FinTech prize to build apps for small businesses – </span><a href="http://www.wired.co.uk/article/nesta-open-up-challenge"><span>Link</span></a> </li> <li> <b>Entrepreneur</b><span> – How FinTech and payments innovations will disrupt global ecommerce – </span><a href="https://www.entrepreneur.com/article/289961"><span>Link</span></a> </li> <li> <b>Reuters</b><span> – On Women’s Day eve, statue of girl stares down Wall Street bull – </span><a href="http://www.reuters.com/article/us-womens-day-usa-idUSKBN16E2M8"><span>Link</span></a> </li> <li> <span>Business Insider – The 9 best paying jobs in British FinTech  </span><a href="http://uk.businessinsider.com/indeed-data-on-the-9-best-british-fintech-jobs-2017-3?r=US&amp;IR=T"><span>Link</span></a> </li> </ol> </ol> <p>Enjoy this episode? Tell a friend about FinTech Insider and <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep224-taking-bull-horns/">Ep224 – Taking the Bull by the Horns</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Mar 13, 2017
Ep223 – WeChat Africa CEO Brett Loubser on the Power of the Platform
21:54
<h2>In this episode</h2> <p>As CEO of WeChat Africa, Brett Loubser’s role is to leverage the WeChat platform to the greatest extent possible in Africa. However, the market conditions in this continent are completely different from China. A focus on a chat app didn’t make sense for Africa, given the significant competitor products. Instead, Brett and his team focused on ‘the absolute power of the platform.’ In this episode of FinTech Insider, Brett shares great examples of how working with partner companies has proven to be such a great business model.</p> <p>“Our first major push into showcasing the power and potential of WeChat as a platform was the launch of Cliff Central,” Brett says. “We worked with a very bright young chap by the name of Gareth Cliff, who is one of the biggest media personalities in South Africa. At the time, he was the most popular radio DJ on the biggest free-to-air radio station in the country. He was looking to launch something of his own, and so we launched a digital radio station along with him on our platform. And that worked incredibly well because, not only was there the obvious benefit of partnering up with somebody who had a huge personal brand in South Africa, but also the benefits of showcasing digital radio being delivered on a chat platform was stopping people in their tracks.”</p> <p>Enjoy FinTech Insider? You’d make our week by telling a friend about us and leaving us a <a href="http://goo.gl/6wM9ul">review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep223-wechat-africa-ceo-brett-loubser/">Ep223 – WeChat Africa CEO Brett Loubser on the Power of the Platform</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Mar 09, 2017
Ep222 – FinTech Out of Africa
37:40
<h2>In this episode</h2> <p>FinTech isn’t disrupting the financial industry in Africa – it’s building it across the continent. And because it’s being building without much legacy, by default it’s digital as a platform. In this episode of FinTech Insider Insights, we’ll shine a light on some great FinTech stories coming out of Africa, including approaches and ideas that incumbent institutions will find incredibly useful.</p> <h2>Our guests</h2> <p>Gerhard Coetzee, Lead Financial Sector Specialist at CGAP<br> Lesley-Ann Vaughan, M-PESA Co-Creator<br> Ron Webb, Director of Financial Services at Safaricom<br> Brett Loubser, CEO at WeChat Africa</p> <p>“I’m extremely excited by how we’re going to see an increasing daily relevance of payments in people’s lives,” Ron says. “P2P transactions have been hugely important, and have been the bedrock of what M-PESA became. But you only send money P2P to your relatives, or people that you’re supporting, on a periodic basis. But you do merchant payments every single day – and many of them – and the increasing use of e-value in those day-to-day payments will increase daily relevance and create even more opportunity.”</p> <h2>11:FS blog posts mentioned in this podcast</h2> <p><a href="http://elevenfs.wpengine.com.uk/blog/banking-apis-arent-tech-banking/">Banking APIs Aren’t about Tech or Banking<br> </a><a href="http://elevenfs.wpengine.com.uk/blog/banks-doing-apis-better-than-you/">11 Banks and FinTechs Doing APIs Better Than You</a></p> <p>Did you learn something from this podcast? If so, please share the knowledge and tell a friend about FinTech Insider and <a href="http://goo.gl/6wM9ul">leave us a review on iTunes</a>. Thank you!</p> <p>The post <a href="https://11fs.com/podcasts/ep222-fintech-africa/">Ep222 – FinTech Out of Africa</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Mar 08, 2017
Ep221 – Orange is the New Bank
1:06:53
<h2>In this episode</h2> <p>Is PSD2 an opportunity or a headache for banks? FinTech Insider News guest Ben Robinson says we’re still underestimating the magnitude of what the regulators are asking banks to do, “which is basically to put their inventory online. Asking banks to give up their transactional data is like asking Google to give up its metadata.  You can see why banks wouldn’t want to.”</p> <p>Also in the news, Monzo’s crowdfunding (and outage); our new favorite rap song; and Orange is the new bank.</p> <h2>Guests</h2> <p><a href="https://twitter.com/ARKblockchain">Christopher Burniske</a>, Blockchain Products Lead at ARK INVEST<br> <a href="https://twitter.com/RobinsonBenP">Ben Robinson,</a> Chief Strategy and Marketing Officer at Temenos</p> <h2>News this week</h2> <ul> <li> <span>Finextra – EBA to relax controversial PSD2 authentication rules – </span><a href="https://www.finextra.com/newsarticle/30171/eba-to-relax-controversial-psd2-authentication-rules"><span>Link</span></a><span> </span> </li> <li> <span>Finextra – Brits warm to mobile tap and pay – </span><a href="https://www.finextra.com/newsarticle/30198/brits-warm-to-mobile-tap-and-pay"><span>Link</span></a> </li> <li> <span>Finextra – Singapore commuters can now tap-and-pay for their fares with Mastercard – </span><a href="https://www.finextra.com/newsarticle/30213/singapore-commuters-can-now-tap-and-pay-for-their-fares-with-mastercard?utm_medium=newsflash&amp;utm_source=2017-3-1"><span>Link</span></a> </li> <li> <span>JP Morgan, Intel, Microsoft join Ethereum Blockchain Alliance </span><a href="http://fortune.com/2017/02/28/ethereum-jpmorgan-microsoft-alliance/"><span>Link</span></a> </li> <li> <span>11FS – 11 things your CIO needs to know about blockchain today – </span><a href="http://elevenfs.wpengine.com.uk/blog/11-things-your-cio-needs-to-know-about-blockchain-today/"><span>Link</span></a> </li> <li> <span> FT – Top bank executives required to vouch for cyber attack defenses – </span><a href="https://www.ft.com/content/451e5b5c-faa7-11e6-9516-2d969e0d3b65"><span>Link</span></a><span> </span> </li> <li> <span> Level39 – Yielders makes history: The first UK Shariah compliant Fintech company based at Level39 – </span><a href="http://www.level39.co/news/yielders-makes-history-first-shariah-compliant-fintech-company-based-level39/?utm_content=bufferfad99&amp;utm_medium=social&amp;utm_source=facebook.com&amp;utm_campaign=buffer"><span>Link</span></a> </li> <li> <span>The Register – Telco Orange to open bank next month – </span><a href="https://www.theregister.co.uk/2017/02/27/telco_orange_to_open_bank_next_month/"><span>Link</span></a> </li> <li> <span>Finextra – Monzo blows past £2.5 million crowdfunding target – </span><span><a href="https://www.finextra.com/newsarticle/30204/monzo-blows-past-25-million-crowdfunding-target?utm_content=bufferd1e10&amp;utm_medium=social&amp;utm_source=twitter.com&amp;utm_campaign=buffer">Link</a></span> </li> <li> <span>Atlanta Constitution Journal – Rapper’s money saving advice goes viral – </span><a href="http://www.ajc.com/lifestyles/rapper-money-saving-advice-goes-viral-because-awesome/CP9ISLEQTZ4YH62yeSmxhN/"><span>Link</span></a> </li> </ul> <p>Enjoy FinTech Insider? Please tell a friend about our podcast and <a href="http://goo.gl/6wM9ul">leave us a review on iTunes</a>. Thank you so much!</p> <p>The post <a href="https://11fs.com/podcasts/ep221-orange-new-bank/">Ep221 – Orange is the New Bank</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Mar 06, 2017
Ep220 – Blythe Masters on Blockchain’s Once in a Generation Opportunity
25:44
<h2>In this episode</h2> <p>Blythe Masters spent 27 years at JP Morgan in a variety of roles, including running the global commodities business, working in structured credit and fixed income markets, and serving as<strong> </strong>CFO of JP Morgan’s global investment bank. After leaving in 2014, she planned on taking a year off, but then blockchain caught her eye and she joined Digital Asset, where she’s CEO. In this interview, Blythe describes their technology as blockchain-inspired, explains what this means, and shares what Digital Asset is working on.</p> <p>“This is a once in a generation opportunity to fundamentally change the way the financial market infrastructure works,” Blythe says, “and that is for the greater good of everybody.”</p> <p>Like this episode? Please tell a friend about FinTech Insider, and <a href="http://goo.gl/6wM9ul">leave us a review on iTunes</a>. This helps people discover us.</p> <p>The post <a href="https://11fs.com/podcasts/ep220-blythe-masters/">Ep220 – Blythe Masters on Blockchain’s Once in a Generation Opportunity</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Mar 03, 2017
Ep219 – CIO Special: How to Change Your Culture
44:45
<h2>In this episode</h2> <p>When it comes to innovation, can big, established banks compete with agile startups? Culture is <em>the</em> major barrier to digital transformation for larger organizations, so we talked to execs at the Global CIO Banking Summit to get their insight. Stay tuned for actionable examples on how to change your culture, how to measure this, and where to look for inspiration.</p> <p>“At DBS, we gave up our training budget of sending executives to fancy business schools and have started putting them through hackathon experiences,” says <span>Paul Cobban, COO, Technology &amp; Operations at DBS Bank.</span> “You take these guys and you give them three days of digital exposure, and then for two days they work with a real startup on a real problem. So you get the stodgy banker meets the 22-year-old coder, and the stodgy banker says, “Let me tell you how this is going to be,” and then the 22-year-old coder says, “I don’t think so,” and so you go through this storming, norming, performing cycle in about half an hour, and then they’re going to get on and do some real stuff.”</p> <h2>Guests</h2> <p>Mark de Munk, MD &amp; CIO, International Wealth Management IT Solutions &amp; Products at <a href="https://twitter.com/CreditSuisse">Credit Suisse<br> </a>Ricardo Rola, EMEIA CIO at <a href="https://twitter.com/itaubba?lang=en">Itau BBA<br> </a>Paul Cobban, COO, Technology &amp; Operations at <a href="https://twitter.com/dbsbank">DBS Bank<br> </a>Adrian Samareanu, Global CIO &amp; VP, Operational Excellence at <a href="https://twitter.com/VolvoGroup?lang=en">Volvo</a></p> <p>Like this episode? Please tell a friend about us and<a href="http://goo.gl/6wM9ul"> leave a review on iTunes</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep219-change-your-culture/">Ep219 – CIO Special: How to Change Your Culture</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Mar 01, 2017
Ep218 – Robots Have Feelings, Too
57:55
<h2>In this episode</h2> <p>Bill Gates wants a robot tax to compensate for job losses; Liverpool launches its own local currency; Atom Bank hires will.i.am as a banking consultant; and more.</p> <h2>Guests</h2> <p><a href="https://twitter.com/ahatami?ref_src=twsrc%5Egoogle%7Ctwcamp%5Eserp%7Ctwgr%5Eauthor">Alessandro Hatami</a>, Managing Partner at The Pacemakers<br> <a href="https://twitter.com/andrasonea">Andra Sonea</a>, Fellow at the Anthemis Group</p> <h2>News this week</h2> <ul> <li>Business Insider – Will.i.am is reportedly doing a deal with app-only bank Atom that could see the singer invest – <a href="http://uk.businessinsider.com/william-deal-with-app-only-bank-atom-singer-could-invest-2017-2">Link</a> </li> <li>NYTimes – Silicon Valley tried to upend banks. Now it works with them. – <a href="https://www.nytimes.com/2017/02/22/business/dealbook/silicon-valley-tried-to-upend-banks-now-it-works-with-them.html?_r=1&amp;utm_content=buffer60cca&amp;utm_medium=social&amp;utm_source=twitter.com&amp;utm_campaign=buffer">Link</a> </li> <li>FT – The trouble with ‘free’ banking for challenger lenders – <a href="https://www.ft.com/content/eebd369c-f471-11e6-95ee-f14e55513608">Link</a> </li> <li>Finextra – RBS to become fintech fund and high street outlet for challenger banks under HMT remedy – <a href="https://www.finextra.com/newsarticle/30166/rbs-to-become-fintech-fund-and-high-street-outlet-for-challenger-banks-under-hmt-remedy">Link</a> </li> <li>Standard Digital – Banks take on M-Pesa with own money transfer service – <a href="https://www.standardmedia.co.ke/business/article/2001229628/banks-take-on-m-pesa-with-own-money-transfer-service">Link</a> </li> <li>Bloomberg – Facebook Messenger now lets you send money with Transferwise – <a href="https://www.bloomberg.com/news/articles/2017-02-21/facebook-messenger-now-lets-you-send-money-with-transferwise?cmpid=socialflow-twitter-business&amp;utm_content=business&amp;utm_campaign=socialflow-organic&amp;utm_source=twitter&amp;utm_medium=social">Link</a> </li> <li>PSFK – Liverpool receives its own digital currency – <a href="http://www.psfk.com/2017/02/liverpool-receives-its-own-digital-currency.html">Link</a> </li> <li>Engadget – Bill Gates wants a robot tax to compensate for job losses – <a href="https://www.engadget.com/2017/02/19/bill-gates-calls-for-robot-tax/">Link</a> </li> <li>Forbes – Why Ant Financial’s $200M investment In Kakao could disrupt South Korean FinTech – <a href="http://www.forbes.com/sites/elaineramirez/2017/02/21/why-ant-financials-200m-investment-in-kakao-could-disrupt-south-korean-fintech/#418712bc62f8">Link</a> </li> <li>Business Insider – Moneyfarm will likely see reasonable uptake of its products from Uber drivers – <a href="http://uk.businessinsider.com/uber-partners-with-moneyfarm-to-help-uk-drivers-save-their-money-2017-2?r=DE&amp;IR=T">Link</a> </li> </ul> <p>Like this podcast? Please tell a friend about us, and leave a review on iTunes. It helps people discover us.</p> <p>The post <a href="https://11fs.com/podcasts/ep218-robots-feelings/">Ep218 – Robots Have Feelings, Too</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Feb 27, 2017
Ep217 – EY’s James Lloyd: China’s Not Just Mobile First – Often It’s Mobile Only
33:54
<h2>In this episode</h2> <p>We talk to <a href="https://twitter.com/jamesplloyd">James Lloyd</a> about the incredible FinTech innovation and uptake happening not only in China, but across Asia. James is the Asia-Pacific FinTech Leader at EY, and our point of reference for most of the phenomenal stats coming out of the region. Did you know that during Chinese New Year – which is only 6 days – 46 billion transactions happened on WeChat alone? That’s 46 billion “red packets” – the money you send as gifts. 46 billion!</p> <p>“In London, getting access to a bank account or a credit card or a basic investment or savings product is relatively straightforward,” James says. “In China, traditionally the banks have focused on supporting corporates and state-owned enterprises. So there has been this unmet need, this market gap, that the big technology players have really moved pretty aggressively to fill.”</p> <p>If you enjoyed this episode, please share the love and tell a friend about FinTech Insider, and <a href="http://goo.gl/6wM9ul">leave us a review on iTunes</a>—this helps people find us.</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep217-james-lloyd-china-mobile-only/">Ep217 – EY’s James Lloyd: China’s Not Just Mobile First – Often It’s Mobile Only</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep217-james-lloyd-china-mobile-only/">Ep217 – EY’s James Lloyd: China’s Not Just Mobile First – Often It’s Mobile Only</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Feb 24, 2017
Ep216 – The First 5 Steps to Transform Your Bank
29:22
<p>Our mantra is digital banking is only 1% finished, and people usually react in two ways to this. Either they believe banking has got miles to go when it comes to tech advancements, or they think digital is merely a way to distribute analogue products. At 11:FS, we believe we’ve got 99% to go, and we’re really excited about the future of banking. But how do we get there? At a recent event in Oulu, Finland, 11:FS CEO David Brear shared the first 5 steps to transform your bank. <a href="http://elevenfs.wpengine.com.uk/blog/5-steps-transform-your-bank/">Watch the video</a>.</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep216-transform-your-bank-five-steps/">Ep216 – The First 5 Steps to Transform Your Bank</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep216-transform-your-bank-five-steps/">Ep216 – The First 5 Steps to Transform Your Bank</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Feb 22, 2017
Ep215 – Cookies, Funny Money & What if Amazon Buys Capital One?
1:09:52
<h2>In this episode</h2> <p>Amazon is looking to buy Capital One, or so goes the rumour. It’s been predicted for a long time that Google, Apple, Facebook, and Amazon would get into financial services, but Amazon is the only one of those companies that specifically needs a payments facility in their core business. <a href="https://twitter.com/jarscott8?lang=en">James Arscott</a>, CCO of invstr, joins us to discuss this and other headlines, including bitcoin going from funny money to something legit in Japan.</p> <p>We also talk to <a href="https://twitter.com/fsimoneschi?lang=en-gb">TrueLayer CEO Francesco Simoneschi</a> on banks becoming software companies; to <a href="https://twitter.com/marisolmenendez?lang=en">BBVA Open Innovation Manager Marisol Menendez</a> about BBVA’s competition to find a new model for low interest rate banking; and <a href="https://twitter.com/chris_myers_?lang=en">BodeTree CEO Chris Myers</a> about the three steps FinTechs need to take to survive.</p> <h2>News this week</h2> <ol> <li>Business Insider – Innovative app-only banks are doing something old fashioned — lending money – <a href="http://uk.businessinsider.com/n26-launches-credit-lines-as-startup-banks-eye-lending-products-2017-2">Link</a> </li> <li>The Telegraph – Co-op Bank puts itself up for sale as it braces for another ‘significant’ loss – <a href="http://www.telegraph.co.uk/business/2017/02/13/co-op-bank-puts-sale-braces-another-significant-loss/">Link</a> </li> <li>Level39 – L39 API member TrueLayer comes out of stealth; secures $1.3m funding –</li> <li>Nikkei Asian Review – Japanese megabanks raise bets on fintech – <a href="http://asia.nikkei.com/Business/Deals/Japanese-megabanks-raise-bets-on-fintech">Link</a> </li> <li>Finextra – BBVA seeks new model for low interest rate banking – <a href="https://www.finextra.com/newsarticle/30135/bbva-seeks-new-model-for-low-interest-rate-banking?utm_medium=newsflash&amp;utm_source=2017-2-14">Link</a> </li> <li>Telegraph – Pay as you speak: Santander revamps voice banking app – <a href="http://www.telegraph.co.uk/business/2017/02/13/pay-speak-santander-revamps-voice-banking-app/">Link</a> </li> <li>Banking Technology – Amazon looking to buy Capital One? – <a href="http://www.bankingtech.com/735552/amazon-looking-to-buy-capital-one/">Link</a> </li> <li>Finextra – Australian banks fight back over Apple Pay ‘fantasy’ claims – <a href="https://www.finextra.com/newsarticle/30127/australian-banks-fight-back-over-apple-pay-fantasy-claims?utm_medium=newsflash&amp;utm_source=2017-2-13">Link</a> </li> <li>International Business Times – Apple, Facebook and Amazon primed for PSD2 demolition of the card networks – <a href="http://www.ibtimes.co.uk/apple-facebook-amazon-primed-psd2-demolition-card-networks-1606188">Link</a> </li> <li>Forbes – 3 Steps Fintech Companies Need To Take In Order To Survive – <a href="http://www.forbes.com/sites/chrismyers/2017/02/10/3-steps-fintech-companies-need-to-take-in-order-to-survive/#45fdff936882">Link</a> </li> <li>Medium – Get paid to read email from outside your network with a 21 profile – <a href="https://medium.com/@21/get-paid-to-read-email-from-outside-your-network-with-a-21-profile-8a388548a9ef#.vuelti5c7">Link</a> </li> </ol> <p>Are you listening to this podcast while on a nice little jog? If so, woo-hoo! We hope we motivated you. Could we ask a favour in return? <a href="http://goo.gl/6wM9ul">Please take a sec to review us on iTunes</a> so more people can discover us. Thanks in advance! Love, FinTech Insider.</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep215-what-if-amazon-buys-capital-one/">Ep215 – Cookies, Funny Money &amp; What if Amazon Buys Capital One?</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep215-what-if-amazon-buys-capital-one/">Ep215 – Cookies, Funny Money &amp; What if Amazon Buys Capital One?</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Feb 20, 2017
Ep214 – Monzo: The First Truly Digital Bank
33:12
<h2>In this episode</h2> <p>When most banks are bribing people to join with £100 or a Rihanna CD, Monzo is doing the opposite: building a bank customers love, involving them in its development, and being so amazing the network blows up like Facebook. Monzo, the bank that broke Crowdcube, now has more than 100,000 customers. Next milestone: 1 million. Here’s how they’ll do it.</p> <p>“We’re trying to build the first bank with real network effect. Skype is a great example. The more people you bring onto Skype, the more people you can call,” Tom says. “How did Instagram or Snapchat or Facebook grow? It wasn’t marketing. It was an amazing product with true network effect. We’re trying to learn those lessons. 85 or 90% of our new signups come through referral.”</p> <p>Loving this podcast? Don’t keep it to yourself, <strong>tell a friend about FinTech Insider</strong> and help us create our own network effect. And while you have five minutes, go on and <a href="http://goo.gl/6wM9ul">leave us a review on iTunes</a>. You’ve been meaning to for a while – today’s the day <em><img class="wp-smiley" src="https://s.w.org/images/core/emoji/2.2.1/72x72/1f642.png" alt="?"></em></p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep214-monzo-first-truly-digital-bank/">Ep214 – Monzo: The First Truly Digital Bank</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep214-monzo-first-truly-digital-bank/">Ep214 – Monzo: The First Truly Digital Bank</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Feb 17, 2017
Ep213 – Bank Business Models: The Last Bastion of Innovation
54:27
<h2>In this episode</h2> <p>Innovation isn’t having an app – it’s having a new business model. Yet for banks, business models are one of the hardest things to innovate around. We discuss what’s broken with traditional bank business models, and how to create new ones, with two people who know best: <a href="https://twitter.com/t_blom?lang=en-gb">Tom Blomfield</a>, CEO of Monzo, and <a href="https://twitter.com/DoraziExplora?lang=en-gb">Dora Ziambra</a>, Head of Business Development at Azimo.</p> <p>“For me, and many people in the industry, being a marketplace bank is the future,” Tom says. “It’s a customer interface that acts as a platform for all of your financial problems. So a single interface that gives you access to the Azimos and the Funding Circles and the Transferwises, with a delightful, one-click user experience, but still giving you the benefits of that choice and that customer service. So, sort of, looser recoupling around APIs.”</p> <p>If you liked this interview, please <a href="http://goo.gl/6wM9ul">review us on iTunes</a>. To learn more about the team that brings you FinTech Insider, visit <a href="http://elevenfs.wpengine.com.uk">11fs.co.uk</a>.</p> <p>Listener offer: for a 30% discount on Innovate Finance Global Summit tickets, <a href="http://ifgs2017.innovatefinance.com">register using the discount code FinTechInsider</a>. The event will be held April 10-11 in London.</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep213-new-bank-business-models/">Ep213 – Bank Business Models: The Last Bastion of Innovation</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep213-new-bank-business-models/">Ep213 – Bank Business Models: The Last Bastion of Innovation</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Feb 15, 2017
Ep212 – News: Is FinTech Failing? Dodd-Frank. And Everything Goes Back to Cannabis.
43:32
<h2>In this episode</h2> <p>Is FinTech failing? We discuss this clickbait-y headline which made the rounds recently. We also talk to <span>Lawrence Wintermeyer, CEO of Innovate Finance, to get insight on their latest report that says investment in UK FinTech startups dropped by 33.7% in 2016. Other news: WeChat to (see what we did there? <img class="wp-smiley" src="https://s.w.org/images/core/emoji/2.2.1/72x72/1f642.png" alt="?"> James Lloyd,  Asia-Pacific FinTech Leader at EY, about the 46 billion digital red packets WeChat users sent over Lunar New Year; and Anna Irrera, a journalist at Reuters, updates us on what’s happening with Dodd-Frank.</span></p> <h2>News this week</h2> <ol> <li><span>Tech City News – Investment in UK FinTech startups ‘drops by 33.7% in 2016′ – <a href="http://techcitynews.com/2017/02/08/investment-in-uk-fintech-startups-drops-by-33-7-in-2016/">Link</a></span></li> <li> <a href="http://www.slideshare.net/innovatefinance/the-2016-vc-fintech-investment-landscape-71849828/1"><span>The 2016 VC FinTech Investment Landscape by Innovate Finance</span></a><span> </span><span>Innovate Finance’s Global Summit is April 10-11 in London. FinTech Insider will be recording there, and </span><a href="http://www.ifgs2017.com">FinTech Insider listeners get a 30% discount if they register for tickets using the discount code FinTechInsider</a>.</li> <li> <span>Coin Telegraph – Switzerland Set to Ease Finance Regulations, Support Blockchain Innovation – </span><a href="https://cointelegraph.com/news/switzerland-set-to-ease-finance-regulations-support-blockchain-innovation?utm_source=Weekly+FinTech+Pulse&amp;utm_campaign=8bdfab253c-EMAIL_CAMPAIGN_2017_02_04&amp;utm_medium=email&amp;utm_term=0_ede4cf6fd3-8bdfab253c-5624477"><span>Link</span></a> </li> <li> <span>Reuters – WeChat Users Send 46 billion digital red packets over Lunar New Year – </span><a href="http://ca.reuters.com/article/idCAKBN15J0BG"><span>Link</span></a> </li> <li> <span>technode – How Chinese Mobile Payments are Quietly Conquering the World – </span><a href="http://technode.com/2017/02/06/how-chinese-mobile-payments-are-quietly-conquering-the-world/"><span>Link</span></a> </li> <li> <span>Forbes – 3 Reasons Fintech Is Failing – </span><a href="http://www.forbes.com/sites/chrismyers/2017/02/07/3-reasons-why-fintech-is-failing/#622f3c807b6b"><span>Link</span></a> </li> <li> <span>Wall Street Journal – Fintech Startups Want to Save One Key Page of Dodd-Frank – </span><a href="https://www.wsj.com/articles/fintech-startups-want-to-save-one-key-page-of-dodd-frank-1486035001"><span>Link</span></a> </li> <li> <span>Business Insider – 19 Laptops Containing Customer Information Have Been Stolen from FinTech Company GoCardless – </span><span><a href="http://uk.businessinsider.com/gocardless-laptops-stolen-19-fintech-credit-checking-2017-2?r=US&amp;IR=T">Link</a></span> </li> <li> <span>efinancial careers – Five Crazy Start-Up Ideas in FinTech now – </span><a href="http://news.efinancialcareers.com/sg-en/273502/fintech-startups/"><span>Link</span></a> </li> <li><a href="http://finovate.com/finovateeurope-2017-best-show-winners-announced/">Finovate 2017 Winners</a></li> </ol> <p>That’s all for now! If you like what you heard, please leave us a <a href="http://goo.gl/6wM9ul">review on iTunes</a>. To learn more about the team behind FinTech Insider, visit <a href="http://elevenfs.wpengine.com.uk">11fs.co.uk</a>.</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep212-news-is-fintech-failing-dodd-frank-and-everything-goes-back-to-cannabis/">Ep212 – News: Is FinTech Failing? Dodd-Frank. And Everything Goes Back to Cannabis.</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep212-news-is-fintech-failing-dodd-frank-and-everything-goes-back-to-cannabis/">Ep212 – News: Is FinTech Failing? Dodd-Frank. And Everything Goes Back to Cannabis.</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Feb 13, 2017
Ep211 – Token CEO Steve Kirsch
24:18
<h2>In this episode</h2> <p>Serial tech entrepreneur Steve Kirsch (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/stkirsch">@<span class="u-linkComplex-target">stkirsch</span></a>) has founded seven companies and earned a name for himself as the inventor of the optical mouse. Today he’s CEO of Token, a global open API banking platform.</p> <p>Steve says that, historically, banks have operated on limited hours. Central banks have similar systems to be compatible, which has led to architectures that are nowhere near as complex as doing real-time systems. But then internet came along and changed people’s expectations.</p> <p>“Now banks sort of have to be open 24/7, and yet the underlying systems haven’t caught up with that,” Steve says. “And so the challenge is to create technology that can layer on top of the existing banking system that would enable people to have the level of service that they expect, and yet not disrupt things below the decks. It’s almost like putting a modern façade on top of an old cruise ship. That’s essentially what we’ve done. [If] we need more engine power, we call down through certain interfaces and say, ‘Can you do this service for us?’ and they say, ‘Yes, the answer is this.’ But as far as everybody on the top deck is concerned, it looks like they’re on a totally modern cruise ship.”</p> <p>If you enjoy this interview, <a href="http://goo.gl/6wM9ul">please leave us a review on iTunes</a>. To find out more about the team behind FinTech Insider, visit <a href="http://elevenfs.wpengine.com.uk">11fs.co.uk</a></p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep211-token-ceo-steve-kirsch/">Ep211 – Token CEO Steve Kirsch</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep211-token-ceo-steve-kirsch/">Ep211 – Token CEO Steve Kirsch</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Feb 10, 2017
Ep210 – Rainmaking Summit: Show Me How to Innovate
56:45
<h2>In this episode</h2> <p>Liz Lumley, Managing Director of Thought Leadership at Rainmaking, says a woman approached her at one of their events recently and said, “I’m here because I get told all the time: You need to work with startups, and then no one tells me how.” The Rainmaking Summit was designed to give people like her the tools they need to make innovation happen. Straight talk. No bullshit. We sit down with key participants in London to get the lowdown.</p> <p>“We need to move from ROI to R&amp;D,” says Nektarios Liolios, CEO &amp; Co-Founder, Startupbootcamp FinTech. “R&amp;D implies failure. It implies experimentation, and just keep trying, keep trying until it works, right? Having been in the financial industry for nearly 20 years now, we don’t have that. There is no concept of building product, or doing anything, with an R&amp;D mentality. Whereas any other industry has that.”</p> <h2>Guests</h2> <ul> <li>Liz Lumley, Managing Director of Thought Leadership, Rainmaking <a href="https://twitter.com/LizLum">@LizLum</a> </li> <li>Will Bentinck, Head of Careers, Makers Academy <a href="https://twitter.com/isoworg">@isoworg</a> </li> <li>Nektarios Liolios, CEO &amp; Co-Founder, Startupbootcamp FinTech <a href="https://twitter.com/nekliolios">@nekliolios</a> </li> <li>Jennifer Rosen, Founder &amp; CEO of JnR Communications</li> </ul> <p>To learn more about the team behind FinTech Insider, visit us at <a href="http://elevenfs.wpengine.com.uk">11fs.co.uk</a></p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep210-rainmaking-summit-show-innovate/">Ep210 – Rainmaking Summit: Show Me How to Innovate</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep210-rainmaking-summit-show-innovate/">Ep210 – Rainmaking Summit: Show Me How to Innovate</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Feb 08, 2017
Ep209 – Should UK Prepare for FinTech Exodus?; China Tests Digital Currency
1:02:08
<h2>In this episode</h2> <p>How do I change my culture? And what the hell happens to all those bank fines?! Our guest Richard Peers, Director of Financial Services at Microsoft (<a href="http://twitter.com/Peerster">@Peerster</a>), joins us to discuss these hot issues as part of our weekly roundup of FinTech Insider News.</p> <p>Digital DNA is radically different from legacy culture, and that needs to change, Richard says. To make digital transformation happen, technology is not enough. You have to have the right culture. It’s hearts and minds and empowering people.  It’s not a quick fix, which many people are looking for.</p> <p>Deutsche was recently fined over money laundering claims – but where the hell do these fines go and what’s the politics behind it? How can bitcoin prevent money laundering?</p> <p>What are the new business models we need? Can we serve markets in new ways? Can we make money from data? It’s often a defensive conversation, it’s time for banks to go on the offense and look at open banking as a good thing, Richard says.</p> <h2>News this week</h2> <ol> <li>Telegraph – Fintech ‘boom’ risks fresh ‘bust’ if left unchecked, warns Carney – <a href="http://www.telegraph.co.uk/business/2017/01/25/fintech-boom-risks-fresh-bust-left-unchecked-warns-carney/">Link</a> –</li> <li>Scalable Capital – An open letter to Mark Carney on robo advice – <a href="http://elevenfs.wpengine.com.uk/blog/open-letter-mark-carney-robo-advice/">Link</a> </li> <li>BBC – Deutsche Bank fined by regulators over money laundering claims – <a href="http://www.bbc.co.uk/news/business-38805085">Link</a> </li> <li>Yahoo Finance – Neo and challenger bank customer base to grow by 50.6%, globally, by 2020 – <a href="http://finance.yahoo.com/news/neo-challenger-bank-customer-grow-152500638.html">Link</a> </li> <li>FT – The UK should prepare for an exodus of fintech experts – <a href="https://www.ftadviser.com/Articles/2017/01/11/IA-p19-300117-Investing-in-Technology_FinTech-and-Brexit">Link</a> </li> <li>Finextra – Chinese central bank tests digital currency system – <a href="https://www.finextra.com/newsarticle/30041/chinese-central-bank-tests-digital-currency-system">Link</a> </li> <li>Acumin – Details come to light after Lloyds’ cyber attack – <a href="https://www.acumin.co.uk/news/details-come-to-light-over-lloyds-cyber-attack/2556/">Link</a> </li> <li>BBC – Savings protection limit raised – <a href="http://www.bbc.co.uk/news/business-38770907">Link</a> </li> <li>Finextra – CMA issues final order on open banking – <a href="https://www.finextra.com/newsarticle/30077/cma-issues-final-order-on-open-banking?utm_medium=newsflash&amp;utm_source=2017-2-2">Link</a> </li> <li>Telegraph – Which country is the most corrupt in the world – and where does Britain rank? – <a href="http://www.telegraph.co.uk/business/2017/01/25/worlds-getting-corrupt-britain-remains-one-honest-countries/">Link</a> </li> </ol> <p>Thanks for listening! Visit <a href="http://elevenfs.wpengine.com.uk">11fs.co.uk</a> to learn more about the team behind FinTech Insider.</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep209-uk-prepare-fintech-exodus-china-tests-digital-currency/">Ep209 – Should UK Prepare for FinTech Exodus?; China Tests Digital Currency</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep209-uk-prepare-fintech-exodus-china-tests-digital-currency/">Ep209 – Should UK Prepare for FinTech Exodus?; China Tests Digital Currency</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Feb 06, 2017
Ep208 – Sir Mark Walport, UK Government Chief Scientific Adviser and Head of the Government Office for Science
14:21
<h2>In this episode</h2> <p>Sir Mark Walport (<a href="http://twitter.com/uksciencechief">@uksciencechief</a>), UK Government Chief Scientific Adviser and Head of the Government Office for Science, says his job is to advise the government on policy for all aspects of science, engineering, technology, and social science. In a delightful interview with 11:FS Co-Founder Simon Taylor, he discusses artificial intelligence, ethics and technology, data and privacy, and more.</p> <p>“There are many other areas where industry has the potential to progress faster if they work together in a pre-competitive environment.  Of course, one of the issues is around the sharing of data,” he says. “It’s possible to share data in ways that don’t threaten the integrity of businesses.  That’s about defining access and giving people access in a way that critically protects privacy.”</p> <p>Thank you to Paul Aldrich (<a href="http://twitter.com/DrPAldrich">@DrPAldrich</a>), Lead Partner of Financial Services Technology at Odgers Berndtson, for inviting us to CityVison2030 where we interviewed Sir Mark.</p> <p>For more great FinTech Insider interviews, visit <a href="http://elevenfs.wpengine.com.uk">11fs.co.uk</a>.</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep208-sir-mark-walport/">Ep208 – Sir Mark Walport, UK Government Chief Scientific Adviser and Head of the Government Office for Science</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep208-sir-mark-walport/">Ep208 – Sir Mark Walport, UK Government Chief Scientific Adviser and Head of the Government Office for Science</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Feb 03, 2017
Ep207 – PFM: Don’t Call it a Comeback
57:19
<h2>In this episode</h2> <p>Is PFM dead? Invisible? Or has Personal Financial Management evolved from data-driven piecharts to something more useful?</p> <p>Joining us for today’s deep dive on PFM and Digital Money Management are:</p> <ul> <li>Frankie Woodhead, Director of Commercial &amp; Channels at Barclays @FTWoodhead</li> <li>Victor Trokoudes, Founder of Plum, the first Facebook bot for automated savings @vmtrok</li> <li>Pau Velando, GM at Strands Finance @Pau4ir</li> </ul> <p>“For us, it’s about taking information, and transforming that information to give relevant services at the right time,” Frankie says. “It’s very easy to say, ‘You’ve overdrawn, sorry.’ What we like to do is think a week ahead. Things like Netflix, which is generally a monthly subscription, comes in a certain way. What we’ve tried to do is second-guess if that payment is going to happen. Like, ‘FYI, your Netflix of £9.99 is due to come out in four days.  You might need to think about doing something different about [your spending].”</p> <p>“The old way to consume PFM was based on charts,” Pau says. “You’ve got the pie chart, you’ve got the bar chart, the trend line telling about how your categories were instead of mixing your expenses. Today, PFM is used to trigger banking processes, to trigger a loan, to trigger a credit card subscription, to trigger a savings goal, to move some money apart.  The system is understanding how you are moving your money and how you are spending it. We’re talking about invisible PFM.  Those mobile banking apps are powered by data.  You don’t necessarily need to see it but it’s there.”</p> <p><span>Thanks for listening! If you like what you heard, please subscribe to our podcast, and leave us a review on iTunes – this helps people discover us. </span></p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep207-pfm-dont-call-comeback/">Ep207 – PFM: Don’t Call it a Comeback</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep207-pfm-dont-call-comeback/">Ep207 – PFM: Don’t Call it a Comeback</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Feb 01, 2017
Ep206 – Trump’s New Deal for Britain, Ant Financial Goes Global
1:15:31
<h2>In this episode</h2> <p>News, glorious news! We’ve switched up the format of the show in season 2. Every Monday, we’ll bring you FinTech Insider News, a show dedicated exclusively to the latest FinTech and financial services headlines. Wednesday features FinTech Insider Insights, where we’ll continue to bring on experts to discuss digital banking, new business models, APIs, and all the other areas that matter to our industry. And on Fridays, with FinTech Insider Interviews, we’ll continue to share the individual stories of people making the biggest impact in FinTech and financial services.</p> <h2>Guests</h2> <ul> <li>Frankie Woodhead, Director, Commercial &amp; Channels at Barclays – <a href="http://twitter.com/FTWoodhead">@FTWoodhead</a> </li> <li>Alessandro Hatami, Managing Partner at The Pacemakers – <a href="http://twitter.com/ahatami">@ahatami</a> </li> </ul> <h2>News this week</h2> <ol> <li>The Telegraph – Donald Trump plans new deal for Britain – <a href="http://www.telegraph.co.uk/news/2017/01/21/donald-trump-plans-new-deal-britain-theresa-may-becomes-first/">Link</a> </li> <li>Pascal Bouvier – The Passporting Gambit – <a href="http://finiculture.com/the-passporting-gambit/">Link</a> </li> <li>Pyments – MiSys aims to kill P2P lending / alternative lending – <a href="http://www.pymnts.com/news/b2b-payments/2017/misys-alternative-lending-p2p-marketplace-bank-traditional-financial-institutional-sme-small-business-borrowing/">Link</a> </li> <li>Business Insider – Siemens partners with Scalable Capital – <a href="http://uk.businessinsider.com/siemens-partners-with-scalable-capital-for-employee-benefits-2017-1">Link</a> </li> <li>Reuters – Tencent, Hillhouse Capital take stakes in Aviva Hong Kong – <a href="http://www.reuters.com/article/us-aviva-gb-jv-tencent-holdings-idUSKBN154140">Link</a> </li> <li>Finextra – China’s Ant Financial goes global in bid for two billion users in 10 years – <a href="https://www.finextra.com/newsarticle/30019/chinas-ant-financial-goes-global-in-bid-for-two-billion-users-in-10-years">Link</a> </li> <li>Ant Financial – MoneyGram Agrees to Merge with Ant Financial – <a href="https://www.antgroup.com/m/newsDetail.html?id=5889f57347b9c83d18a9a4ff">Link</a> </li> <li>The Register – Lloyds Bank outage: DDoS is prime suspect – <a href="https://www.theregister.co.uk/2017/01/23/lloyds_outage/">Link</a> </li> <li>Hacker group claims responsibility for Lloyds with ransom demands – <a href="https://www.bleepingcomputer.com/news/security/hacker-group-claims-responsibility-for-lloyds-bank-outages-ransom-demand/?utm_content=buffercdc6c&amp;utm_medium=social&amp;utm_source=twitter.com&amp;utm_campaign=buffer">Link</a> </li> <li>Finextra – UK banks strike branch banking deal with Post Office – <a href="https://www.finextra.com/newsarticle/30028/uk-banks-strike-branch-banking-deal-with-post-office?utm_medium=newsflash&amp;utm_source=2017-1-24">Link</a> </li> <li>CNBC – Deutsche Bank’s CEO says technology will be key to banking in the next five years – <a href="http://www.cnbc.com/2017/01/17/deutsche-banks-ceo-says-technology-will-be-the-key-to-banking-in-the-next-five-years.html">Link</a> </li> </ol> <p>We’d also like to welcome our new sponsors this year, LinkedIn and the Financial Times. We’re really excited about these new partnerships and taking FinTech Insider to the next level.</p> <p>If you enjoyed this podcast, please take the time to <a href="http://goo.gl/6wM9ul">review us on iTunes</a>. Want to learn more about the hosts? Visit us on <a href="http://elevenfs.wpengine.com.uk">11fs.co.uk</a></p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep206-trumps-new-deal-britain-ant-financial-goes-global/">Ep206 – Trump’s New Deal for Britain, Ant Financial Goes Global</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep206-trumps-new-deal-britain-ant-financial-goes-global/">Ep206 – Trump’s New Deal for Britain, Ant Financial Goes Global</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Jan 30, 2017
Ep205 – Tandem CEO Ricky Knox and CCO Ruth Handcock
44:24
<h2>In this episode</h2> <p>Tandem CEO Ricky Knox says banking should feel effortless, as easy as listening to Spotify. He shares how Tandem is building this kind of digital bank, and how his previous startups, including Small World Financial Services and Azimo, led him to where he is today. Tandem is the second digital bank in the UK to get its banking license, and recently received a £35 million investment from House of Fraser.</p> <p>“We really want to build banking as a service, or banking as a solution, in the same way that I now listen to Spotify,” Ricky says. “I don’t have a buying experience anymore…I can have music in every room.  It should feel a little bit like that to do your banking.  It shouldn’t be any effort.”</p> <p>You’ll also hear from Chief Customer Officer Ruth Handcock, who says her job is listening to customers, then translating that into what Tandem is building.</p> <p>Enjoy the episode! If you’re a fan of <a href="http://elevenfs.wpengine.com.uk/fintech-insider/">FinTech Insider</a>, please review us on iTunes. This helps other people find us. To learn more about the team that brings you FinTech Insider, visit <a href="http://elevenfs.wpengine.com.uk/">11fs.co.uk</a></p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep205-tandem-ceo-ricky-knox/">Ep205 – Tandem CEO Ricky Knox and CCO Ruth Handcock</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep205-tandem-ceo-ricky-knox/">Ep205 – Tandem CEO Ricky Knox and CCO Ruth Handcock</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Jan 27, 2017
Ep204 – Tandem Takeover! Building a Digital Bank that Advocates for Customers
33:05
<h2>In this episode</h2> <p>Tandem Takeover! We talk to the team building ‘a new kind of bank’ about how you can be digital and still be very human, how to recruit at a startup, the future of banking, how to be truly agile, how to advocate for customers, and more.</p> <h2>Guests</h2> <ul> <li>Ricky Knox, CEO <a href="http://twitter.com/rickykno">@rickykno</a> </li> <li>Ruth Handcock, Chief Customer Officer <a href="http://twitter.com/ruthhandcock">@RuthHandcock</a> </li> <li>Nick Perrett, Chief Product Officer</li> </ul> <p>“A good bank feels like a bank that actually has your back, that therefore is making decisions in your interest, much like your doctor might or a good friend might,” says Tandem CEO Ricky Knox. “How does that translate into a product and how do we build banking that fits seamlessly around your life, pulls out all the hassle, and answers the requirements you might have for borrowing or lending on an automated basis? The first step in that is owning and understanding the data surrounding your financial services life and relationship. Pulling that data together and forming that holistic picture of how the person’s finances are evolving, and what their financial needs are at any one time, is a really key part of our proposition.”</p> <p>If you enjoyed the show, please take a moment to <a href="http://goo.gl/6wM9ul">review us on iTunes</a>. We love reading the reviews and they help people find our show.</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep204-tandem-building-digital-bank/">Ep204 – Tandem Takeover! Building a Digital Bank that Advocates for Customers</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep204-tandem-building-digital-bank/">Ep204 – Tandem Takeover! Building a Digital Bank that Advocates for Customers</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Jan 25, 2017
Ep203 – Lesley-Ann Vaughan, Co-Creator of M-PESA; Director of MiLA Consulting
28:16
<h2>In this episode</h2> <p>Lesley-Anne Vaughan, Director of MiLA Consulting and Co-Creator of M-PESA, talks to us about how she helped develop the famed mobile money transfer service in Kenya. M-Pesa lets customers use their phone to deposit and transfer money from one person to another without using a bank account. It works using a network of thousands of stores, where the cash agent network does debits and credits.</p> <p>“In 2007 we launched M-Pesa as a live service, but in 2005 the original product was microfinance,” Lesley-Anne says. “We were solving a painpoint of how do we get microfinance to be more effective, more efficient, more cheaply administered.”</p> <p>Since 2005, Lesley Anne has been dedicated to mobile money and mobile financial services in emerging markets. The incredible work she did to build and launch M-PESA earned her name on the patent, which is pretty amazing!</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep203-lesley-ann-vaughan-co-creator-m-pesa-director-mila-consulting/">Ep203 – Lesley-Ann Vaughan, Co-Creator of M-PESA; Director of MiLA Consulting</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep203-lesley-ann-vaughan-co-creator-m-pesa-director-mila-consulting/">Ep203 – Lesley-Ann Vaughan, Co-Creator of M-PESA; Director of MiLA Consulting</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Jan 20, 2017
Ep202 – APIs: Plug into Banking
1:14:05
<h2>In this episode</h2> <p>What are APIs? We break it down in today’s episode with some great guests. But a little taste: All the connected apps you use on your phone talk via APIs to get their data. So when you check the weather, says David Andrzejek, the weather app on your phone makes an API call to a system to get the weather data. Lesley-Anne Vaughan says APIs are like ordering from a menu at a restaurant. You place your order from the menu, which is like an API call out to the kitchen (system). The food that comes to the table is the system’s response to that API call. What does this have to do with financial services? Bankers should be interested in APIs because they enable the digital experiences their customers want.</p> <p>More API analogies and explanations await in episode 202!</p> <h2>Guests</h2> <ul> <li> <a href="https://www.linkedin.com/in/lesleyannvaughan/">Lesley-Ann Vaughan</a>, Co-creator of M-PESA @VaughanLA</li> <li> <a href="https://www.linkedin.com/in/davidandrzejek/">David Andrzejek</a>, VP Vertical Solutions at Google @davidandrz</li> <li> <a href="https://www.linkedin.com/in/aubrey-hawes-8590252">Aubrey Hawes</a>, Senior Director of Product Marketing at Oracle @gahawes3</li> <li> <a href="https://www.linkedin.com/in/ghelaboskovich/">Ghela Boskovich</a>, Founder of FemTechGlobal @GhelaBoskovich</li> </ul> <h2>News this week</h2> <ol> <li>Finextra – US regulator cites fintech as risk to banking system [<a href="https://www.finextra.com/newsarticle/29951/us-regulator-cites-fintech-as-risk-to-banking-system">Link</a>] Full report [<a href="https://www.occ.gov/news-issuances/news-releases/2017/nr-occ-2017-4.html">Link</a>]</li> <li> IBTimes – DTCC creating credit derivatives blockchain with Axoni, IBM and R3 [<a href="http://www.ibtimes.co.uk/dtcc-creating-credit-derivatives-blockchain-axoni-ibm-r3-1600070">Link</a>]</li> <li>FT – Banks risk missing 2019 ringfence deadline [<a href="https://www.ft.com/content/3cef50e6-d42b-11e6-b06b-680c49b4b4c0">Link</a>]</li> <li>Mashable – 56,000 petrol pumps in India to stop accepting credit and debit cards; citizens miffed [<a href="http://mashable.com/2017/01/09/india-petrol-pumps-stop-accepting-credit-debit-cards/">Link</a>] Decision has been deferred until the 13th of January [<a href="http://indianexpress.com/article/india/petrol-pumps-defer-decision-to-not-accept-card-payments-till-jan-13-4465357/">Link</a>]</li> <li>Banking Technology – “Humanoid” Ira to assist customers in HDFC Bank branches [<a href="http://www.bankingtech.com/697131/humanoid-ira-to-assist-customers-in-hdfc-bank-branches">Link</a>]</li> <li>Financial Tribune – Iran’s 1st Open Banking API Launched [<a href="https://financialtribune.com/articles/economy-business-and-markets/56996/iran-s-1st-open-banking-api-launched">Link</a>]</li> </ol> <p>Enjoy the episode! If you’re a fan of <a href="http://elevenfs.wpengine.com.uk/fintech-insider/">FinTech Insider</a>, please leave us a review. We haven’t seen a new review in awhile and you’d make our heart soar with glee.</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep202-apis-plug-banking/">Ep202 – APIs: Plug into Banking</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep202-apis-plug-banking/">Ep202 – APIs: Plug into Banking</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Jan 18, 2017
Ep201 – Benoit Legrand, Global Head of FinTech at ING
18:08
<h2>In this episode</h2> <p>Today we’re speaking to <a href="https://twitter.com/_benoitlegrand?lang=en">Benoit Legrand, Global Head of FinTech at ING</a>. Benoit has more than 20 years of experience in transforming various areas of banking, and even founded a startup. In this interview he shares how ING is like a ’20-year-old FinTech,’  and why a team’s banking experience is key to helping banks change.</p> <p>“I’ve seen so many companies just trying to bring people from outside with a very digital background. But they are not speaking the banking language. And you need that to make sure that the power of the company is being used to transform itself.”</p> <p>Two decades ago, <a href="https://.www.LinkedIn.com/Company/ING/">ING</a> became the world’s first branchless, online bank, offering services via phone and internet. Today the Dutch multinational has 33 million customers around the world.</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep201-benoit-legrand-global-head-fintech-ing/">Ep201 – Benoit Legrand, Global Head of FinTech at ING</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep201-benoit-legrand-global-head-fintech-ing/">Ep201 – Benoit Legrand, Global Head of FinTech at ING</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Jan 13, 2017
Ep200 – Transaction Banking: From Zero to Hero
1:21:27
<h2>In this episode</h2> <p>Transaction banking has been defined as “the plumbing of international business. It ensures that salaries get paid, money for goods and services gets delivered, investment returns are credited where they belong, and the wheels of world trade keep turning” – Global Finance Magazine. In this episode, <a href="https://www.linkedin.com/in/mark-buitenhek-763a0130/">Mark Buitenhek</a> (<a href="https://twitter.com/MarkBuitenhek">@MarkBuitenhek</a>), Global Head of Transaction Services at ING, and <a href="https://www.linkedin.com/in/benoitlegrand/">Benoit Legrand</a> (<a href="https://twitter.com/_benoitlegrand">@_benoitlegrand</a>), Global Head of FinTech at ING join us for transaction banking 101.</p> <h2><strong>News this week</strong></h2> <ol> <li>The Independent – Sir Ivan Rogers quits: Britain’s EU ambassador attacks ‘muddled’ Brexit thinking in scathing resignation letter – <a href="http://www.independent.co.uk/news/uk/politics/brexit-latest-news-theresa-may-eu-ambassador-resignation-sir-ivan-rogers-deal-hopes-brussels-europe-a7507561.html">Link</a> </li> <li> TechCrunch – Monese raises $10M Series A for its banking app targeting immigrants and expats – <a href="https://techcrunch.com/2017/01/03/monese-series-a/">Link</a> </li> <li>House of Fraser also invests in Tandem – <a href="https://www.finextra.com/newsarticle/29936/house-of-fraser-invests-35m-in-neobank-tandem">Link </a> </li> <li>Finextra – China launches $1.5bn fintech fund – <a href="https://www.finextra.com/newsarticle/29934/china-launches-15bn-fintech-fund">Link</a> </li> <li>FT – Bitcoin has all the attributes of a pyramid scheme – <a href="https://www.ft.com/content/b5d66ed8-d1b3-11e6-b06b-680c49b4b4c0">Link</a> </li> </ol> <p>Thanks for listening! If you get value from this podcast, please head on over to iTunes and <a href="http://goo.gl/6wM9ul">leave us a review</a>. You’ll make our week!</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep200-transaction-banking-zero-hero/">Ep200 – Transaction Banking: From Zero to Hero</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep200-transaction-banking-zero-hero/">Ep200 – Transaction Banking: From Zero to Hero</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Jan 11, 2017
Ep136 – Leda Glyptis, Banking & FinTech Legend
1:07:43
<p>Leda Glyptis (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/LedaGlyptis">@<span class="u-linkComplex-target">LedaGlyptis</span></a>) should be first on your list for any dinner party. Full of wit and wisdom, <img class="size-medium wp-image-2585 alignright" src="http://elevenfs.wpengine.com.uk/wp-content/uploads/2017/01/FinTech-Insider_red-136-300x154.png" alt="FinTech-Insider_red-136" width="300" height="154">this banking and fintech legend always takes conversations to the next<br> level. We talk to her about APIs and open banking, the aftermath of Brexit, PSD2, the golden rule she lives by and more.</p> <p>“APIs are creating a Harry Potter moment,” Leda says. “For a long time, a lot of technology was not permitted for use in banks. Now, we can redesign what we do because new things are possible. It’s absolutely inspirational.”</p> <p>Enjoy the interview! If you like FinTech Insider, you’d <a href="http://goo.gl/6wM9ul">make our week by leaving us a review</a> on iTunes.</p> <p> </p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep136-leda-glyptis-fintech-legend/">Ep136 – Leda Glyptis, Banking &amp; FinTech Legend</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep136-leda-glyptis-fintech-legend/">Ep136 – Leda Glyptis, Banking &amp; FinTech Legend</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Jan 06, 2017
Ep135 – Digital Banking is Only 1 Percent Finished
1:05:03
<p><a href="http://elevenfs.wpengine.com.uk/wp-content/uploads/2017/01/FinTech-Insider_mg_4people_alt1-135.jpg"><img class="size-medium wp-image-2551 alignright" src="http://elevenfs.wpengine.com.uk/wp-content/uploads/2017/01/FinTech-Insider_mg_4people_alt1-135-300x154.jpg" alt="FinTech-Insider_mg_4people_alt1-135" width="300" height="154"></a>Happy New Year from FinTech Insider! Wow, 2016 was an incredibly busy year for us. In addition to doing this podcast, in May we started a company called 11:FS, a fintech consultancy that helps banks become truly digital. One of our core beliefs is that digital banking is only 1% finished.</p> <p> </p> <p>What does that mean?</p> <p> </p> <p>Today we thought we’d recap, and share a little bit more about who we are at 11:FS. You’ll hear clips of us speaking individually at an event we co-hosted with solarisBank in Berlin not that long ago. Then we’ll kick it over to the group discussion we had with solarisBank Board Member Marko Wenthin. You’ll also hear from Andrea Rexer, Senior Editor at Sueddeutsche Zeitung.</p> <p> </p> <p><span>Hope you enjoy the show! We speak at events all over the world. If you’re keen to learn more, email us at </span><a href="mailto:speaking@11fs.co.uk"><span>speaking@11fs.co.uk</span></a></p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep135-digital-banking-1-percent-finished/">Ep135 – Digital Banking is Only 1 Percent Finished</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep135-digital-banking-1-percent-finished/">Ep135 – Digital Banking is Only 1 Percent Finished</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Jan 04, 2017
Ep134 – FinTech Predictions for 2017
13:40
<p>Time to make fintech predictions for 2017! Will PSD II be the biggest disappoint of the year? How big will the challenger banks get? Is regtech the new fintech? We make predictions on all this and more.</p> <p> </p> <p>We’re  joined by:</p> <ul> <li> <a href="https://www.linkedin.com/in/dgwbirch">David Birch, Director of Innovation, Consult Hyperion</a> <a href="https://twitter.com/dgwbirch">@dgwbirch</a> </li> <li> <a href="https://www.linkedin.com/in/benbrabyn">Ben Brabyn, Chief Executive, Investor, Advisor, Level39</a> <a href="https://twitter.com/BenBrabyn">@BenBrabyn</a> </li> </ul> <p> </p> <p>Thanks for listening! If you like what you heard, <a href="http://goo.gl/6wM9ul">subscribe</a> to our podcast, review us on iTunes–we love reading those reviews!!–and befriend us on <a href="https://www.facebook.com/Fintechinsider/">Facebook</a> and/or <a href="https://twitter.com/FinTechInsiders">Twitter</a>.</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/fintech-predictions-2017/">Ep134 – FinTech Predictions for 2017</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/fintech-predictions-2017/">Ep134 – FinTech Predictions for 2017</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Dec 30, 2016
Ep133 – 2016 FinTech Review – What a Crazy Ass Year Part 2
45:14
<p>And now for part 2 of our 2016 FinTech Review — What a Crazy Ass Hear This Has Been. We discuss Pokémon (remember that?), the UK ringing in a new Prime Minister, the US electing Donald Trump as President, the Wells Fargo scandal, Facebook payments, China, and, of course, us starting the FinTech Insider podcast! Plus lots more.</p> <p><a href="http://elevenfs.wpengine.com.uk/wp-content/uploads/2016/12/FinTech-Insider_mg_3people_alt1-133.jpg"><img class="size-medium wp-image-2541 alignleft" src="http://elevenfs.wpengine.com.uk/wp-content/uploads/2016/12/FinTech-Insider_mg_3people_alt1-133-300x154.jpg" alt="FinTech-Insider_mg_3people_alt1---133" width="300" height="154"></a></p> <p>Sit back and enjoy our review of the major trends that shaped financial services for the second half of the year. We’re once again joined by:</p> <ul> <li> <a href="https://www.linkedin.com/in/dgwbirch">David Birch, Director of Innovation, Consult Hyperion</a> <a href="https://twitter.com/dgwbirch">@dgwbirch</a> </li> <li> <a href="https://www.linkedin.com/in/izabella-kaminska-806a566">Izabella Kaminska, FT Alphaville blogger</a> <span><a href="https://twitter.com/izakaminska">@izakaminska</a></span> </li> <li> <a href="https://www.linkedin.com/in/benbrabyn">Ben Brabyn, Chief Executive, Investor, Advisor, Level39</a> <a href="https://twitter.com/BenBrabyn">@BenBrabyn</a> </li> </ul> <p> </p> <p>Thanks for listening! If you like what you heard, <a href="http://goo.gl/6wM9ul">subscribe</a> to our podcast, review us on iTunes–we love reading those reviews!!–and befriend us on <a href="https://www.facebook.com/Fintechinsider/">Facebook</a> and/or <a href="https://twitter.com/FinTechInsiders">Twitter</a>.</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep133-2016-fintech-review-crazy-ass-year-part-2/">Ep133 – 2016 FinTech Review – What a Crazy Ass Year Part 2</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep133-2016-fintech-review-crazy-ass-year-part-2/">Ep133 – 2016 FinTech Review – What a Crazy Ass Year Part 2</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Dec 28, 2016
Ep132 – 2016 FinTech Review – What a Crazy Ass Year Part 1
54:42
<p>You’ve had your holiday meals, now it’s time to digest 2016. What <a href="http://elevenfs.wpengine.com.uk/wp-content/uploads/2016/12/FinTech-Insider_mg_3people_alt1-132.jpg"><img class="size-medium wp-image-2539 alignright" src="http://elevenfs.wpengine.com.uk/wp-content/uploads/2016/12/FinTech-Insider_mg_3people_alt1-132-300x154.jpg" alt="FinTech-Insider_mg_3people_alt1---132" width="300" height="154"></a>a crazy ass year this has been. Brexit. President Trump. Chatbots and fake news. Wells Fargo scandal. Hacks taking down elections and ecommerce. China becoming a fintech star. PSD II and the promise of APIs.</p> <p>So much happened in 2016, we’re splitting our review into two parts. Today, you’ll get a whistle stop tour of the major trends that shaped financial services for the first half of the year. We’re joined by:</p> <ul> <li> <a href="https://www.linkedin.com/in/dgwbirch">David Birch, Director of Innovation, Consult Hyperion</a> <a href="https://twitter.com/dgwbirch">@dgwbirch</a> </li> <li> <a href="https://www.linkedin.com/in/izabella-kaminska-806a566">Izabella Kaminska, FT Alphaville blogger</a> <span><a href="https://twitter.com/izakaminska">@izakaminska</a></span> </li> <li> <a href="https://www.linkedin.com/in/benbrabyn">Ben Brabyn, Chief Executive, Investor, Advisor, Level39</a> <a href="https://twitter.com/BenBrabyn">@BenBrabyn</a> </li> </ul> <p> </p> <p>Thanks for listening! If you like what you heard, <a href="http://goo.gl/6wM9ul">subscribe</a> to our podcast, review us on iTunes–we love reading those reviews!!–and befriend us on <a href="https://www.facebook.com/Fintechinsider/">Facebook</a> and/or <a href="https://twitter.com/FinTechInsiders">Twitter</a>.</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep132-2016-fintech-review-crazy-ass-year-part-1/">Ep132 – 2016 FinTech Review – What a Crazy Ass Year Part 1</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep132-2016-fintech-review-crazy-ass-year-part-1/">Ep132 – 2016 FinTech Review – What a Crazy Ass Year Part 1</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Dec 26, 2016
Ep131 – Monzo Part 2: The Road to 1 Billion Customers
43:21
<h2>In this episode</h2> <p>We’re back with Part 2 of our takeover of <a href="https://monzo.com">Monzo</a>, one of our favour<img class="size-medium wp-image-2533 alignright" src="http://elevenfs.wpengine.com.uk/wp-content/uploads/2016/12/FinTech-Insider_red-131-300x154.jpg" alt="FinTech-Insider_red-131" width="300" height="154">ite challenger banks. In this episode, we dive into the details on how they’re creating a truly digital bank. You’ll learn how they’re organised, building technology from the ground up, fostering a culture of trust and learning (fun fact: they all have access to each other’s emails), what makes their design so special, why their community is so engaged, and more.</p> <h2>Our guests</h2> <ul> <li> <a href="https://www.linkedin.com/in/jonashuckestein/">Jonas Huckestein</a><span>, Co-Founder and CTO at Monzo @Jonas</span> </li> <li> <a href="https://www.linkedin.com/in/hugocornejo/">Hugo Cornejo</a><span>, Head of Design at Monzo @hugocornejo</span> </li> <li> <a href="https://www.linkedin.com/in/leah-templeman-75777939/">Leah Templeman</a><span>, Head of Operations at Monzo @leahtemplewoman</span> </li> </ul> <p>Monzo is hiring, you lucky ducks. <a href="https://monzo.com/careers/">Check it out</a>.</p> <p>Thanks for listening! If you like what you heard, <a href="http://goo.gl/6wM9ul">subscribe</a> to our podcast, review us on iTunes–we love reading those reviews!!–and befriend us on <a href="https://www.facebook.com/Fintechinsider/">Facebook</a> and/or <a href="https://twitter.com/FinTechInsiders">Twitter</a>.</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/monzo-1-billion-customers/">Ep131 – Monzo Part 2: The Road to 1 Billion Customers</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/monzo-1-billion-customers/">Ep131 – Monzo Part 2: The Road to 1 Billion Customers</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Dec 23, 2016
Episode 130 – Monzo Part 1: How to Build a Bank
41:58
<p><a href="http://elevenfs.wpengine.com.uk/wp-content/uploads/2016/12/FinTech-Insider_mg_3people_alt1-130.jpg"><img class="size-medium wp-image-2531 alignright" src="http://elevenfs.wpengine.com.uk/wp-content/uploads/2016/12/FinTech-Insider_mg_3people_alt1-130-300x154.jpg" alt="FinTech-Insider_mg_3people_alt1---130" width="300" height="154"></a></p> <h2>In this episode</h2> <p>Field trip! This week we geek out at Monzo’s headquarters in London. Monzo is one of our favourite challenger banks, which they’re building from the ground up with help from thousands of customers. Their tagline: ‘Finally, a bank as smart as your phone.’ In this episode, you’ll learn how to build a digital bank <a href="https://monzo.com">Monzo</a> style. Our guests:</p> <ul> <li> <a href="https://www.linkedin.com/in/jonashuckestein/"><span>Jonas Huckestein</span></a><span>, Co-Founder and CTO at Monzo @Jonas</span> </li> <li> <a href="https://www.linkedin.com/in/hugocornejo/"><span>Hugo Cornejo</span></a><span>, Head of Design at Monzo @hugocornejo</span> </li> <li> <a href="https://www.linkedin.com/in/leah-templeman-75777939/"><span>Leah Templeman</span></a><span>, Head of Operations at Monzo @leahtemplewoman</span> </li> </ul> <p>“Everything has originated from a very, very small group of people, a year and a half ago,” Jonas says. “We had these very first prepaid cards, and we started inviting technology-savvy people in London to our offices for a hackathon to build cool things. We had a few hundred people like that, and then they told their friends, and then <i>they</i> told <i>their</i> friends…People would still consider themselves to be the members of a community as opposed to the users of a card that gives you free foreign transactions.”</p> <p>Thanks for listening! If you like what you heard, <a href="http://goo.gl/6wM9ul">subscribe</a> to our podcast, review us on iTunes–we love reading those reviews!!–and befriend us on <a href="https://www.facebook.com/Fintechinsider/">Facebook</a> and/or <a href="https://twitter.com/FinTechInsiders">Twitter</a>.</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/episode-130-monzo-part-1-build-bank/">Episode 130 – Monzo Part 1: How to Build a Bank</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/episode-130-monzo-part-1-build-bank/">Episode 130 – Monzo Part 1: How to Build a Bank</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Dec 21, 2016
Ep129 – Xero: Giving 800,000 Business Owners Their Lives Back
20:44
<h2>In this episode</h2> <p><span>Gary Turner is Co-Founder and Managing Director of Xero, which provides small- to medium sized businesses (SMBs or SMEs) with online accounting software</span><span>. Forbes described Xero as the “World’s Most Innovative Growth Company.” In this episode, Gary talks about how he helped take Xero from a 3-person startup with £50,000 in revenue to a company that will have £150 million in revenue this year. He also shares his favourite productivity hacks, podcasts, and advice to those getting into fintech.</span></p> <p>“We have a saying at Xero,” Gary says, “It’s not the big that eat the small, it’s the fast that eat the slow.’ Focus on what it is you need to do, and do it really, really quickly. Don’t debate it, and don’t analyse it for three weeks, and don’t write a white paper on it, and don’t commission a survey. If you’re small, if you’re a startup, you can move at light speed, much quicker than anyone else can – use that advantage while you have it.”</p> <p>Gary Turner, Co-Founder and Managing Director at Xero @garyturner</p> <p><span>Enjoy the show! If you like what you hear, subscribe, review us on </span><a href="http://goo.gl/6wM9ul">iTunes</a><span>, and follow us on </span><a href="https://www.facebook.com/Fintechinsider/">Facebook</a><span> and </span><a href="https://twitter.com/FinTechInsiders">Twitter</a><span>. You can always email us at fintechinsider@11fs.co.uk</span></p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep129-xero-giving-800000-business-owners-lives-back/">Ep129 – Xero: Giving 800,000 Business Owners Their Lives Back</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep129-xero-giving-800000-business-owners-lives-back/">Ep129 – Xero: Giving 800,000 Business Owners Their Lives Back</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Dec 16, 2016
Ep128 – How FinTech is Revolutionising SMEs
59:39
<h2>In this episode</h2> <p>Business banking sucks, but it doesn’t have to, say this week’s stellar guests. The CEO of <a href="https://www.tide.co">Tide</a> and Co-Founders of <a href="https://www.xero.com/uk/">xero</a> and <a href="http://www.getpenta.com">Penta</a> join us to discuss how fintech is revolutionising SMEs (small- to medium sized enterprises/businesses). We talk to them about how fintech is giving business owners their lives back, simplifying processes, improving customer service, and saving them hours on admin every week so they can focus on growing their business.</p> <p>Work/life balance is a major problem for small business owners, who work their day job then spend hours on admin in the evening. Software and smart solutions created by our guests and other fintechs will solve that problem. “So your admin requirement is going to go away dramatically and you’ll get your life back. That’s my prediction for the next five years,” says George Bevis, CEO of Tide.</p> <h2>Guests</h2> <ul> <li>George Bevis, CEO of <a href="https://www.tide.co">Tide</a> @GeorgeBevis</li> <li>Gary Turner, Co-Founder and Managing Director at <a href="https://www.xero.com/uk/">xero</a> @garyturner</li> <li>Luka Ivicevic, Co-Founder at <a href="http://www.getpenta.com">Penta</a> @lukaivicev</li> <li>Ghela Boskovich, founder of FemTechGlobal @GhelaBoskovich (thanks for guest co-hosting, Ghela!)</li> </ul> <h2>News this week</h2> <ol> <li> <span>Finextra – China tops fintech ranking </span><a href="https://www.finextra.com/newsarticle/29862/china-tops-world-fintech-rankings"><span>Link</span></a> </li> <li> <span>International Business Times – The ‘fintech’ approach to data science and machine learning – </span><a href="http://www.ibtimes.co.uk/fintech-approach-data-science-machine-learning-1595251"><span>Link</span></a> </li> <li> <span>Finovate – Santander investing in Tradeshift – </span><a href="http://finovate.com/tradeshift-earns-undisclosed-investment-santander/?utm_source=dlvr.it&amp;utm_medium=twitter"><span>Link</span></a> </li> <li> <span>TechCrunch – N26 launches in 17 more countries…but backs away from UK launch plans – </span><span><a href="https://techcrunch.com/2016/12/06/n26-expands-its-bank-of-the-future-to-17-european-countries/">Link</a></span> </li> <li> <span>Forbes – Amazon Go Ends Checkout Lines And Shoplifting, Begins A New Era In Retail – </span><span><a href="http://www.forbes.com/sites/quora/2016/12/06/amazon-go-ends-checkout-lines-and-shoplifting-begins-a-new-era-in-retail/#382ca4011ca3">Link</a></span> </li> </ol> <p>Thanks for listening! If you like what you heard, <a href="http://goo.gl/6wM9ul">subscribe</a> to our podcast, review us on iTunes – we love reading those reviews! – and befriend us on <a href="https://www.facebook.com/Fintechinsider/">Facebook</a> and/or <a href="https://twitter.com/FinTechInsiders">Twitter</a>.</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep128-fintech-revolutionising-smes/">Ep128 – How FinTech is Revolutionising SMEs</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep128-fintech-revolutionising-smes/">Ep128 – How FinTech is Revolutionising SMEs</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Dec 14, 2016
Ep127 – Giving Banks FinTech Access Through One API
30:03
<p><span><a href="http://elevenfs.wpengine.com.uk/wp-content/uploads/2016/12/FinTech-Insider_sarah4.jpg"><img class="size-medium wp-image-2491 alignright" src="http://elevenfs.wpengine.com.uk/wp-content/uploads/2016/12/FinTech-Insider_sarah4-300x154.jpg" alt="FinTech-Insider_sarah4" width="300" height="154"></a></span></p> <h2>In this episode</h2> <p><span>Onboarding a FinTech into a bank is expensive, due to acquisition and compliance costs, and the risks that come with different APIs. </span><span>Railsbank,  which goes live in early 2017, will give banks access to the FinTech world through one API. </span><span>W</span><span>e talk to Nigel Verdon, CEO and Co-founder of Railsbank</span><span>, about how his company </span>serves as the glue between FinTechs and banks.</p> <p>Nigel Verdon, CEO &amp; co-founder Railsbank, @nigelverdon</p> <p><span>Enjoy the show! If you like what you hear, subscribe, review us on </span><a href="http://goo.gl/6wM9ul"><span>iTunes</span></a><span>, and follow us on </span><a href="https://www.facebook.com/Fintechinsider/"><span>Facebook</span></a><span> and </span><a href="https://twitter.com/FinTechInsiders"><span>Twitter</span></a><span>. You can always email us at fintechinsider@11fs.co.uk</span></p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/2490/">Ep127 – Giving Banks Fintech Access Through One API</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/2490/">Ep127 – Giving Banks FinTech Access Through One API</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Dec 09, 2016
Ep126 – Building in the FCA Sandbox
1:23:07
<p><a href="http://elevenfs.wpengine.com.uk/wp-content/uploads/2016/12/FinTech-Insider_sarah2.jpg"><img class=" wp-image-2480 alignright" src="http://elevenfs.wpengine.com.uk/wp-content/uploads/2016/12/FinTech-Insider_sarah2-300x154.jpg" alt="FinTech-Insider_sarah2" width="416" height="214"></a></p> <h2>In this episode</h2> <p>Several of this week’s guests are part of the Financial Conduct Authority’s regulatory sandbox in the UK. The FCA created the sandbox as ‘safe space’ for startups and companies to test ideas before becoming fully regulated, saving them time and money. The objective is to encourage and deliver more effective competition in the interests of consumers.</p> <p>On the show, we’ll talk about the benefits of being in the programme, how the FCA sandbox works, and what it takes to get your company accepted.</p> <h2>Guests this week</h2> <ul> <li>Matt Herbert, Director of Strategy and Digital at British Bankers’ Association @HerbertMatt</li> <li>Hadi Kabalan, Managing Director at Otonomos for EMEA &amp; the Americas @hadikabalan</li> <li>Gene Vayngrib CEO &amp; Co-founder of Tradle @urbien</li> <li>Edward Maslaveckas, CEO &amp; Co-founder at Bud @Ed_Masl</li> </ul> <h2>News This Week</h2> <ol> <li>£5 notes made from meat products – <a href="http://www.vice.com/en_uk/read/a-very-precise-calculation-of-exactly-how-many-cows-are-being-murdered-for-the-new-fivers">Link</a> </li> <li>TechCrunch – Yes, the UK now has a law to log web users’ browsing behavior, hack devices and limit encryption – <a href="https://techcrunch.com/2016/11/29/yes-the-uk-now-has-a-law-to-log-web-users-browsing-behavior-hack-devices-and-limit-encryption/">Link</a> </li> <li>BBC – RBS worst hit in Bank of England stress test – <a href="http://www.bbc.co.uk/news/business-38135133">Link</a> </li> <li>Banking Tech – New UK challenger bank Masthaven opens digital doors – <a href="http://www.bankingtech.com/658442/new-uk-challenger-bank-masthaven-opens-digital-doors/">Link</a> </li> <li>Royal Mint to issue digital gold <a href="https://www.finextra.com/newsarticle/29833/royal-mint-to-issue-digital-gold?utm_medium=newsflash&amp;utm_source=2016-11-29">Link</a> </li> <li>The Hill – Apple, Google, Amazon ask Trump for focus on financial tech – <a href="http://thehill.com/policy/finance/banking-financial-institutions/308055-major-tech-companies-push-trump-admin-on">Link</a> </li> </ol> <p>The sandbox is open to firms from around the world, as long as they want to test in the UK market. Applications for the second cohort are open until January 19, 2017. To apply, email sandbox@fca.org.uk or <a href="https://www.fca.org.uk/firms/project-innovate-innovation-hub/regulatory-sandbox">visit the FCA website</a>.</p> <p>Enjoy the show! If you like what you hear, subscribe, review us on <a href="http://goo.gl/6wM9ul">iTunes</a>, and follow us on <a href="https://www.facebook.com/Fintechinsider/">Facebook</a> and <a href="https://twitter.com/FinTechInsiders">Twitter</a>. You can always email us at fintechinsider@11fs.co.uk</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep126-building-fca-sandbox/">Ep126 – Building in the FCA Sandbox</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep126-building-fca-sandbox/">Ep126 – Building in the FCA Sandbox</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Dec 07, 2016
Ep125 – Blockchain’s Godfather & Wealth’s Superhero
48:00
<p class="p1"><span class="s1"><a href="http://elevenfs.wpengine.com.uk/wp-content/uploads/2016/12/FinTech-Insider_mg_2people_alt1-125.jpg"><img class="size-medium wp-image-2469 alignright" src="http://elevenfs.wpengine.com.uk/wp-content/uploads/2016/12/FinTech-Insider_mg_2people_alt1-125-300x154.jpg" alt="FinTech-Insider_mg_2people_alt1---125" width="300" height="154"></a></span></p> <h2 class="p1">In this episode</h2> <p class="p1"><span class="s1">Hello, FinTech Insiders! This week we chat with two awesome guests leading innovation in different areas: blockchain and wealth management. </span></p> <ul> <li class="p1">Jeff Garzik, Co-Founder of Bloq @jgarzik</li> <li class="p1"><span class="s1">Dave Bruno, Head of UBS WM Innovation @SuperDaveBruno</span></li> </ul> <p><strong>Jeff </strong>— whom we definitely consider a blockchain godfather — shares how he got interested in coding, bitcoin, and blockchain, and how he sees this space evolving.</p> <p><span class="s1"><strong>Dave </strong>— aka ‘SuperDaveBruno’ on Twitter — talks to us about robo-advisors, digital wealth management, and why he’s always on the offense when it comes to innovation.</span></p> <p><span class="s1">Make sure you check out Dave’s <a href="https://www.youtube.com/channel/UCDwdMtTXfQ5wGntpoMNoNvw"><span class="s2">YouTube channel</span></a>. Such great fun and you’ll learn a ton.</span></p> <p><span class="s1">Enjoy the show! If you like what you hear, subscribe, review us on <a href="http://goo.gl/6wM9ul"><span class="s2">iTunes</span></a>, and follow us on <a href="https://www.facebook.com/Fintechinsider/"><span class="s2">Facebook</span></a> and <a href="https://twitter.com/FinTechInsiders"><span class="s2">Twitter</span></a>. You can always email us at <a href="mailto:fintechinsider@11fs.co.uk"><span class="s3">fintechinsider@11fs.co.uk</span></a></span></p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/125-blockchains-godfather-wealths-superhero/">Ep125 – Blockchain’s Godfather &amp; Wealth’s Superhero</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/125-blockchains-godfather-wealths-superhero/">Ep125 – Blockchain’s Godfather &amp; Wealth’s Superhero</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Dec 02, 2016
Ep124 – Wealth: Robo-Advisors or Master of Puppets?
1:06:27
<h2>In this episode</h2> <p>Wealth Management isn’t just for the super rich anymore. It’s opened up to everyone. But the reality is, most of us aren’t taking steps now to have a nice life in the future—or even to be able to retire. This week, our expert guests discuss how we can solve this massive social problem. We also chat about robo-advisors, creating offense in wealth management, digital wallets, and, of course, Metallica.</p> <h2>Guests</h2> <ul> <li>Dave Bruno, Co-Founder of YNOME and Head UBS WM Innovation <a href="https://twitter.com/SuperDaveBruno">@SuperDaveBruno</a> </li> <li>Jonathan Hey, Head of User Experience at Nutmeg <a href="https://twitter.com/jonohey">@jonohey</a> </li> <li>Joe Parkin, Head of Wealth and Retail at iShares by Blackrock</li> </ul> <h2>News this week</h2> <ol> <li>Bloomberg –  India’s Misguided War on Cash – <a href="https://www.bloomberg.com/view/articles/2016-11-22/india-s-misguided-war-on-cash">Link</a> </li> <li>Mashable – The Astronomical Rise of Mobile Wallets in India – <a href="http://mashable.com/2016/11/23/paytm-credit-debit-card-daily-transactions-india/#4Va31NdEH5qi">Link</a> </li> <li>Coindesk – Goldman Sachs and Santander Leaves R3CEV – <a href="http://www.coindesk.com/goldman-sachs-leaves-r3cev/">Link</a> </li> <li>Wired – Google is Amazing at Pictionary…Crowdsourced Machine Learning – <a href="https://www.wired.com/2016/11/woah-googles-ai-really-good-pictionary/">Link</a> </li> <li>Wealth Management – Envestnet Yodlee Strikes Partnership With Morgan Stanley – <a href="http://www.wealthmanagement.com/technology/envestnet-yodlee-strikes-partnership-morgan-stanley">Link</a> </li> <li>TechCrunch – German Online Wealth Management Platform Cashboard Scores €3M Series A – <a href="https://techcrunch.com/2016/11/22/cashboard/">Link</a> </li> <li>Wealth Management – Metallica Bassist Takes Equity Stake in RIA – <a href="http://www.wealthmanagement.com/industry/metallica-bassist-takes-equity-stake-ria">Link</a> </li> </ol> <p>For more about Dave Bruno, check out his <a href="https://www.youtube.com/channel/UCDwdMtTXfQ5wGntpoMNoNvw">YouTube channel</a>.</p> <p>For more on Jonathan Hey, visit <a href="http://www.sketchplanations.com">sketchplanations.com</a>.</p> <p>For more on iShares by Blackrock, go to <a href="http://www.ishares.co.uk">www.<b>ishares</b>.<b>co</b>.<b>uk</b></a>.</p> <p>Enjoy the show! If you like what you hear, subscribe, review us on <a href="http://goo.gl/6wM9ul">iTunes</a>, and follow us on <a href="https://www.facebook.com/Fintechinsider/">Facebook</a> and <a href="https://twitter.com/FinTechInsiders">Twitter</a>. You can always email us at fintechinsider@11fs.co.uk</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep124-wealth-robo-advisors-or-master-of-puppets/">Ep124 – Wealth: Robo-Advisors or Master of Puppets?</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep124-wealth-robo-advisors-or-master-of-puppets/">Ep124 – Wealth: Robo-Advisors or Master of Puppets?</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p> Special Guest: Joe Parkin.
Nov 30, 2016
Ep123 – FinTech Under the Influence
50:10
<h2>In this episode</h2> <p>Guests Sam Maule and Chris Gledhill are among the 100 most influential fintech leaders in 2016. Fun fact: Chris used to build software for submarines and Sam used to live on them.</p> <ul> <li> <span class="">Sam is Director of Digital &amp; FInTech at NTT DATA Americas </span><span class="">@</span><span class="">sammaule</span> </li> <li><span class="">Chris is CEO and Co-Founder at Secco @cgledhill</span></li> </ul> <p>Enjoy the show! If you like what you hear, subscribe, review us on <a href="http://goo.gl/6wM9ul">iTunes</a>, and follow us on <a href="https://www.facebook.com/Fintechinsider/">Facebook</a> and <a href="https://twitter.com/FinTechInsiders">Twitter</a>. You can always email us at fintechinsider@11fs.co.uk</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep123-fintech-under-the-influence/">Ep123 – FinTech Under the Influence</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep123-fintech-under-the-influence/">Ep123 – FinTech Under the Influence</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Nov 25, 2016
Ep122 – I Like Chatbots and I Cannot Lie!
1:08:54
<h2>In this episode</h2> <p>Are chatbots the last bridge to true AI? Or are we getting excited over nothing? We discuss whether chatbots are ready for primetime, as well as the latest fintech news.</p> <h2>Guests this week</h2> <ul class=""> <li class="">Sam Maule, Director of Digital &amp; FInTech at NTT DATA Americas <a class="js-nav ProfileHeaderCard-screennameLink u-linkComplex" href="https://twitter.com/sammaule">@<span class="u-linkComplex-target">sammaule</span></a> </li> <li class="">Nigel Verdon, CEO &amp; co-founder of Railsbank <a class="js-nav ProfileHeaderCard-screennameLink u-linkComplex" href="https://twitter.com/nigelverdon">@<span class="u-linkComplex-target">nigelverdon</span></a> </li> <li class="">Leysa Li, Head of Content at Railsbank <a class="js-nav ProfileHeaderCard-screennameLink u-linkComplex" href="https://twitter.com/LesyaLi">@<span class="u-linkComplex-target">LesyaLi</span></a> </li> </ul> <h2>News this week</h2> <ol> <li> <span>ValueWalk – Future of FinTech [INFOGRAPHIC] – </span><a href="http://www.valuewalk.com/2016/11/future-fintech/?utm_content=bufferbca1d&amp;utm_medium=social&amp;utm_source=twitter.com&amp;utm_campaign=buffer"><span>Link</span></a> </li> <li> <span>Business Insider – Chancellor Philip Hammond says UK is ‘global fintech capital’ as Nutmeg raises £30 million – </span><a href="http://uk.businessinsider.com/nutmeg-raises-30-million-convoy-new-ceo-roboadvisor-fintech-2016-11"><span>Link</span></a> </li> <li> <span>Banking Technology – More branches and jobs to go at Lloyds Banking Group – </span><a href="http://www.bankingtech.com/640572/more-branches-and-jobs-to-go-at-lloyds-banking-group/?utm_content=buffer921de&amp;utm_medium=social&amp;utm_source=twitter.com&amp;utm_campaign=buffer"><span>Link</span></a> </li> <li> <span>City AM – Most fintech employees don’t value diversity in the workplace – </span><a href="http://www.cityam.com/253512/most-fintech-employees-dont-value-diversity-workplace"><span>Link</span></a> </li> <li> <span>Mattermark – AI Is The New New Thing (And It’s Taking Over) – </span><a href="https://mattermark.com/ai-new-new-thing-taking/?_hsenc=p2ANqtz-9amyz0QHSWbu5UjUZVbM7BYB9UWIha3RGhr0SDTbv4ahvJOfu00mtFRptQeENMFopVFmC6YdsVbiFmhjNYwWJSGDcmsA&amp;_hsmi=34709634&amp;utm_content=bufferb725e&amp;utm_medium=social&amp;utm_source=twitter.com&amp;utm_campaign=buffer"><span>Link</span></a> </li> <li> <span>Finextra – PayPal sends cash with Siri – </span><a href="https://www.finextra.com/newsarticle/29742/paypal-sends-cash-with-siri"><span>Link</span></a><span>  </span> </li> <li> <span>HBR – Simple Digital Technologies Can Reduce Health Care Costs – </span><a href="https://hbr.org/2016/11/simple-digital-technologies-can-reduce-health-care-costs?utm_source=twitter&amp;utm_medium=social&amp;utm_campaign=harvardbiz"><span>Link</span></a> </li> <li> <span>Engadet – Twitter expands ‘mute’ and ‘report’ features to combat abuse – </span><span><a href="https://www.engadget.com/2016/11/15/twitter-expands-mute-report-features-to-combat-abuse/">Link</a></span> </li> <li> <span>Why chatbots are the last bridge to true AI – </span><span><a href="http://venturebeat.com/2016/11/13/why-chatbots-are-the-last-bridge-to-true-ai/">Link</a></span> </li> </ol> <p>Enjoy the show! If you like us, <a href="http://goo.gl/6wM9ul">subscribe</a> so you never miss an episode. And we’d love to see you on <a href="https://www.facebook.com/Fintechinsider/?fref=ts">Facebook</a>.</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep122-like-chatbots-cannot-lie/">Ep122 – I Like Chatbots and I Cannot Lie!</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep122-like-chatbots-cannot-lie/">Ep122 – I Like Chatbots and I Cannot Lie!</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Nov 23, 2016
Ep121 – Off the Chain! With R3 and RBS
33:14
<h2>In this episode</h2> <p>Richard Brown, Chief Technology Officer at R3, started building a blockchain platform called Corda from scratch a year ago. The distributed ledger platform is different from other blockchain platforms in that it’s designed explicitly for and by the world’s financial institutions. R3 is a consortium of over 75 of the world’s largest financial institutions, and Richard Crook, Head of Innovation Engineering at RBS, sits on its steering committee. He crystallized the mission statement that led to the creation of Corda, which will be available November 30.</p> <p>We sit down with both Richards to talk about the current and future state of blockchain.</p> <p>Richard Brown @gendal<br> Richard Crook@rickcrook</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep121-off-chain/">Ep121 – Off the Chain! With R3 and RBS</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep121-off-chain/">Ep121 – Off the Chain! With R3 and RBS</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Nov 18, 2016
Ep120 – Will FinTech Survive Trump? Plus Blockchain’s Biggest Brains
1:25:07
<h2>In this episode</h2> <p>Will Trump roll back regulation? Did chatbots swing the election? The 11:FS team discuss with three brilliant guests:</p> <ul> <li> <span>Richard Brown – Chief Technology Officer, R3 – </span><a href="https://twitter.com/gendal?ref_src=twsrc%5Egoogle%7Ctwcamp%5Eserp%7Ctwgr%5Eauthor">@gendal</a> </li> <li> <span>Richard Crook – Head of Innovation Engineering, RBS – </span><span><a href="https://twitter.com/rickcrook">@rickcrook</a></span> </li> <li> <span>Ajit Tripathy – Fintech and Digital Director, PWC –  </span><a href="https://twitter.com/triptananda">@triptananda</a> </li> </ul> <p>Then these blockchain experts debate the fetishization of the distributed ledger technology, what blockchain really is, and where we’re headed.</p> <h2>News this week</h2> <ol> <li><b><span>Business Insider – Here’s what a Trump presidency means for US fintech – </span><a href="http://uk.businessinsider.com/heres-what-a-trump-presidency-means-for-us-fintech-2016-11?r=US&amp;IR=T"><span>Link</span></a></b></li> <li> <span>Wired – The Political Twitter Bots Will Rage This Election Day – </span><a href="https://www.wired.com/2016/11/political-twitter-bots-will-rage-election-day/">Link</a> </li> <li> <span>Reuters – Exclusive: Goldman Sachs considers Frankfurt move over Brexit – </span><a href="http://uk.reuters.com/article/us-britain-eu-goldmansachs-exclusive-idUKKBN13435B">Link</a> </li> <li> <span>BankNXT – Bank of America’s new chatbot is a higher form of intelligence – </span><a href="http://banknxt.com/58518/chatbot-erica/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+banknxt+%28BANKNXT+General%29">Link</a> </li> <li> <span>Bloomberg – A Warning for Fintech – </span><a href="https://www.bloomberg.com/gadfly/articles/2016-11-07/tesco-bank-hack-will-be-warning-to-fintech-s-upstarts">Link</a> </li> <li> <span>ZDNet – Banco Sabadell: Fintech and platforms in transition – </span><span><a href="http://www.zdnet.com/article/fintech-and-banking-platforms-in-transition/">Link</a></span> </li> <li> <span>Motherboard – After 20 Minutes of Listening, New Adobe Tool Can Make You Say Anything – </span><a href="http://motherboard.vice.com/read/after-20-minutes-of-listening-new-adobe-tool-can-make-you-say-anything">Link</a><span>  </span> </li> </ol> <p>Enjoy the show! If you like us, <a href="http://goo.gl/6wM9ul">subscribe</a> so you never miss an episode.</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep120-will-fintech-survive-trump-plus-blockchains-biggest-brains/">Ep120 – Will FinTech Survive Trump?<br> Plus Blockchain’s Biggest Brains</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep120-will-fintech-survive-trump-plus-blockchains-biggest-brains/">Ep120 – Will FinTech Survive Trump? Plus Blockchain’s Biggest Brains</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Nov 16, 2016
Ep119 – Back on the Blockchain Gang!
37:40
<h2>In this episode</h2> <div>11:FS’ resident blockchain geek, <a href="http://elevenfs.wpengine.com.uk">Simon Taylor</a>, is in heaven this week. Today we bring you ace interviews with</div> <div class=""> <ul class="MailOutline"> <li class=""> <span class="">Adam Ludwin, Co-Founder &amp; CEO at Chain – </span><a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/adamludwin"><span>@</span><span class="u-linkComplex-target">adamludwin</span></a> </li> <li class=""> <span class="">Trent McConaghy, </span><span class="">Founder &amp; CTO of BigchainDB – </span><a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/trentmc0">@<span class="u-linkComplex-target">trentmc0</span></a> </li> </ul> </div> <div class=""> <div class=""> <p>Later this week, we’ve got another fantastic blockchain episode with <a href="http://www.r3cev.com">R3</a>’s Richard Brown and other great guests.</p> <p><a href="https://chain.com/?ref=producthunt">Chain</a> is a blockchain technology company that partners with financial firms to build and deploy blockchain networks that transform markets.</p> <p><a href="https://www.bigchaindb.com">BigchainDB</a> allows developers and enterprise to deploy blockchain proof-of- concepts, platforms, and applications with a scalable blockchain database.</p> <p><a href="http://elevenfs.wpengine.com.uk">Simon</a>, blockchain lead at 11:FS,  is a globally-recognised blockchain subject matter expert and fintech Influencer. He serves as a trusted advisor to the UK government, Bank of England, tier 1 banks, asset managers, and investors. He also established Barclays as one of the leaders in blockchain and helped a variety of startups flourish through Barclays Tech Stars accelerator.</p> </div> </div> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep119-back-blockchain-gang/">Ep119 – Back on the Blockchain Gang!</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep119-back-blockchain-gang/">Ep119 – Back on the Blockchain Gang!</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Nov 11, 2016
Ep118 Money20/20 What Happens in Vegas…
1:09:54
<h2>In this episode</h2> <p>Nothing scandalous happens in Vegas at Money20/20; let’s just get that out of the way. In its fifth year, Money20/20 is an event that people attend mostly to network and dance awkwardly at after parties. But in between those things, some great discussions happen. This year, financial inclusion was top of mind. Alipay surprised everyone with its announcement of going global. And Chris got a tattoo!</p> <p><span><a href="https://twitter.com/RFiMediaGRB">Chloé James</a> – of Sky News Australia and RFi – attended Money20/20 with Chris, and joined him and the other 11:FS lads to chat about it.</span></p> <h2>News this week</h2> <ol> <li> <span>FT – See the companies included in the Future of Fintech Awards shortlist – </span><a href="https://www.ft.com/content/797a4924-9553-11e6-a1dc-bdf38d484582">Link</a> </li> <li> <span>BBC – Brexit court defeat for UK government – </span><a href="http://www.bbc.co.uk/news/uk-politics-37857785">Link</a> </li> <li> <span>Reuters – UK fintech finds EU barriers emerging after Brexit vote – </span><a href="http://www.reuters.com/article/us-britain-eu-fintech-idUSKBN12X20Z">Link</a> </li> <li> <span>City A.M. – City passporting rights deal “unachievable” in Brexit negotiations, warns top EU financial lawyer – </span><a href="http://www.cityam.com/252833/city-passporting-rights-deal-unachievable-brexit">Link</a> </li> <li> <span>City A.M. – UK fintech pushes for its very own “Big Bang” moment – </span><a href="http://www.cityam.com/252632/uk-fintech-pushes-its-very-own-big-bang-moment">Link</a> </li> <li> <span>FinExtra – Mastercard releases blockchain APIs – </span><a href="https://www.finextra.com/newsarticle/29687/mastercard-releases-blockchain-apis">Link</a> </li> <li> <span>American Banker – How Zcash Tries to Balance Privacy, Transparency in Blockchain – </span><a href="http://www.americanbanker.com/news/law-regulation/how-zcash-tries-to-balance-privacy-transparency-in-blockchain-1092198-1.html?utm_content=socialflow&amp;utm_campaign=abbanktech-tw&amp;utm_source=twitter&amp;utm_medium=social">Link</a> </li> <li> <span>Business Insider – The fintech startup founded by ex-Barclays CEO Antony Jenkins has already done its first big deal – </span><span><a href="http://uk.businessinsider.com/ex-barclays-ceo-antony-jenkins-fintech-10x-signs-deal-with-virgin-money-2016-11?r=US&amp;IR=T">Link</a></span> </li> <li> <span>BBC – Facebook blocks Admiral’s car insurance discount plan – </span><span><a href="http://www.bbc.co.uk/news/business-37847647">Link</a></span> </li> </ol> <p><span>Also, hot off the press (or YouTube), check out Chris’ talk at Agenda FinXTech Summit </span><a href="https://www.youtube.com/watch?v=-x9ENIHf0Hs&amp;app=desktop">Open Sourcing Finance: How FinTech Firms are Building a ValueWeb</a></p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/money2020-what-happens-in-vegas/">Ep118 Money20/20 What Happens in Vegas…</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/money2020-what-happens-in-vegas/">Ep118 Money20/20 What Happens in Vegas…</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Nov 09, 2016
Ep117 – InsurTech: Saving the World, Saving You Money
34:53
<h2>In this episode</h2> <div class="">Our first podcast dedicated to FinTech Insider Interviews features InsurTech influencers <a href="https://twitter.com/_freddymac">Freddy Macnamara</a> and <a href="https://twitter.com/MathildaStrom">Mathilda Strom</a>.</div> <div class=""></div> <div class=""><b class="">Get Insured for an Hour (or more) on a Friend’s Car</b></div> <div class="">Freddy Macnamara, Founder and CEO of <a href="https://cuvva.com">Cuvva</a>, gives us a behind-the-scene’s look at how buying car insurance works, and how his InsurTech company has managed to cut out the intermediaries.</div> <div class=""></div> <div class=""><em>“James, our co-founder, and I got an office in an incubator called Codebase in Edinburgh, and we hired a couple of contractors, raised a small seed round…and thought, right, what does the perfect insurance distribution platform look like? And we made a point of not talking to any industry veterans, so we could start from first principles – and what we’ve ended up with is a system where the customer is the defining feature of the database, rather than the policy.”</em></div> <div class=""></div> <div class=""><b class="">Protecting the Future of Every Family</b></div> <p>Deputy CEO Mathilda Strom has helped <a href="http://www.bimamobile.com">Bima</a> grow from a pilot in Ghana to an organisation bringing health, accident, and life insurance to millions of people in emerging markets. Bima is a leading InsurTech player that uses mobile technology to disrupt the global insurance industry and fuel financial inclusion.</p> <p><em>“About a year ago, we paid out a claim to a woman in Pakistan…she has four children, and she lost her husband in a tragic, drive-by shooting. She then received, within two days of giving the death certificate of her husband to us, $3,000 from Bima as a claims payout, and she was then able to send her eldest son to graduate school, and then have enough money left over that she could support the rest of her children for up to two years in salary that her husband could otherwise have been able to contribute to the family. So this really does make a massive impact on the lives of the people that we’re serving.”</em></p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/episode-117-insurtech-saving-the-world/">Ep117 – InsurTech: Saving the World,<br> Saving You Money</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/episode-117-insurtech-saving-the-world/">Ep117 – InsurTech: Saving the World, Saving You Money</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Nov 04, 2016
Ep116 – InsurTech. The New FinTech? Discuss.
1:48:26
<h2>In this episode</h2> <p>InsurTech has dominated financial headlines lately. ‘Should the insurance sector be worried?’ Yes, say our guests! In fact, the very question is absurd. Listen to the experts who joined us:</p> <ul> <li>Leda Glyptis (<a href="https://twitter.com/LedaGlyptis">@LedaGlyptis</a>) – Director, Sapient Global Markets;</li> <li>Freddy Macnamara (<a href="https://twitter.com/_freddymac">@_freddymac</a>) – Founder and CEO of Cuvva;</li> <li>Nigel Walsh (<a href="https://twitter.com/nigelwalsh">@nigelwalsh</a>) – Partner at Deloitte</li> </ul> <h2>News this week</h2> <ul> <li> <span>Financial Times – China challenges London’s FinTech lead </span><a href="https://www.ft.com/content/a3c5d652-9914-11e6-8f9b-70e3cabccfae">Link</a> </li> <li> <span>FT Adviser – Minister pledges fintech sector support post-Brexit </span><a href="https://www.ftadviser.com/regulation/2016/10/25/minister-pledges-fintech-sector-support-post-brexit/">Link</a> </li> <li> <span>Mirror – Cheeky eBay user selling plastic £5 note ‘printed upside-down’ for £65,000 </span><a href="http://www.mirror.co.uk/news/uk-news/cheeky-ebay-user-selling-plastic-9069623">Link</a> </li> <li> <span>Finextra – Visa tells Europe to be ready for 3-D Secure 2.0 by April 2018 </span><a href="https://www.finextra.com/newsarticle/29639/visa-tells-europe-to-be-ready-for-3-d-secure-20-by-april-2018">Link</a> </li> <li> <span>Amazon Executives Are ‘Pleased’ With Results of Retail Bookstores So Far </span><a href="http://flip.it/_g_soW">LINK</a> </li> <li> <span>Big DDoS attacks hit Amazon Web Services customers, but Jassy assures cloud is secure </span><a href="http://flip.it/zWE01t">LINK</a> </li> <li> <span>Clydesdale ‘makes an offer to RBS for Williams &amp; Glyn’ – BBC News </span><a href="http://flip.it/h1TT0u">LINK</a> </li> </ul> <p>Got a burning question or just want to shout of how much you’re loving what’s in your ears right now? Contact us on Twitter <a href="https://twitter.com/FinTechInsiders">@FinTechInsider</a> or <a href="https://twitter.com/11FSTeam">@11FSTeam</a>, or email on FinTechInsider@11fs.co.uk</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep116-insurtech-new-fintech-discuss/">Ep116 – InsurTech. The New FinTech? Discuss.</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep116-insurtech-new-fintech-discuss/">Ep116 – InsurTech. The New FinTech? Discuss.</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Nov 02, 2016
Ep115 – Nordic FinTech: Thor the Win
1:13:05
<h2>In this episode</h2> <p>FinTech is heating up in the Nordics, where 11:FS’s Chris Skinner chairs the Nordic Finance Innovation Group. The region is punching above its weight in terms of innovation (Spotify and Skype, anyone?).</p> <p>You’ll hear interviews from Iren Tranvåg (<a href="https://twitter.com/IrenTranvaag">@IrenTranvaag</a>) – CEO at Nordic Finance Innovation; Søren Rode Andreasen (@RodeAndreasen) – Development Director for Core Banking at Danske Bank Group; Jarkko Turunen (<a href="https://twitter.com/jarkkoturunen">@jarkkoturunen</a>) – Head of Open Banking at Nordea; and Sergii Danylenko, Marketing Director at PrivatBank. We’re also joined by FinTech journalist Anna Irrera (<a href="https://twitter.com/annairrera">@annairrera</a>).</p> <h2>News this week</h2> <ol> <li> <b>Finextra</b><span> – The bank of the future will be invisible </span><a href="https://www.finextra.com/newsarticle/29608/the-bank-of-the-future-will-be-invisible---kpmg">Link</a> </li> <li> <b>Reuters</b><span> – Blockchain platform developed by banks to be open-source </span><a href="http://mobile.reuters.com/article/idUSKCN12K17E">Link</a> </li> <li> <b>Coindesk</b><span> – Hopes Are High Tomorrow’s Ethereum Fork Won’t Be Like the Last </span><a href="http://www.coindesk.com/october-ethereum-hard-fork-network-spam-attacks/?utm_content=buffer37fae&amp;utm_medium=social&amp;utm_source=twitter.com&amp;utm_campaign=buffer">Link</a> </li> <li> <b>Finextra</b><span> – New EU rules could cost UK firms £122bn in cybersecurity fines – PCI SSC </span><a href="https://www.finextra.com/newsarticle/29598/new-eu-rules-could-cost-uk-firms-122bn-in-cybersecurity-fines---pci-ssc">Link</a> </li> <li> <b>Economist</b><span> – Hide and seek: Bangladesh’s missing millions </span><a href="http://www.economist.com/news/finance-and-economics/21708670-great-central-bank-robbery-mysteryand-likely-remain-one-hide-and">Link</a> </li> <li> <b>Forbes</b><span> – Survey On Consumer Attitudes Toward Fintech Spells Trouble For Banks </span><a href="http://www.forbes.com/sites/laurashin/2016/10/18/survey-on-consumer-attitudes-toward-fintech-spells-trouble-for-banks/#3e0c2abf447d">Link</a> </li> <li> <b>Quartz</b><span> – Twitter fired its new VR manager because of something he posted to Facebook years ago </span><span><a href="http://qz.com/813926/twitter-twtr-hired-and-fired-its-head-of-vr-in-one-day-because-of-an-old-deleted-facebook-fb-post/">Link</a></span> </li> <li> <b>The Nordic Web</b><span> – The Q3 2016 Nordic Exit Analysis </span><a href="http://www.thenordicweb.com/blog/the-q3-2016-nordic-exit-analysis">Link</a> </li> </ol> <p>Got a burning question or just want to shout of how much you’re loving what’s in your ears right now? Contact us on Twitter <a href="https://twitter.com/FinTechInsiders">@FinTechInsider</a> or <a href="https://twitter.com/11FSTeam">@11FSTeam</a>, or email on FinTechInsider@11fs.co.uk</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep115-nordic-fintech-thor-win/">Ep115 – Nordic FinTech: Thor the Win</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep115-nordic-fintech-thor-win/">Ep115 – Nordic FinTech: Thor the Win</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Oct 26, 2016
Ep114 – Yipi-API-yay: open platforms, marketplaces and next-gen banking
9:59
<h2>In this episode</h2> <p>This week we had the pleasure of talking to some global thought leaders about a topic that is on everyone’s mind; APIs.</p> <p>This week we are joined by <b>Leda Glyptis (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/LedaGlyptis">@<span class="u-linkComplex-target">LedaGlyptis</span></a>) </b><span>– Director, Sapient Global Markets, </span><b>Megan Caywood (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/MeganCaywood">@<span class="u-linkComplex-target">MeganCaywood</span></a>)</b><span> – Director of Marketplace Platform at Starling Bank, </span><b>Markos Zachariadis (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/MarkosZach">@<span class="u-linkComplex-target">MarkosZach</span></a>) </b><span>– Assistant Professor at Warwick Business School &amp; Research Fellow at the University of Cambridge and <strong>A</strong></span><b>lex Lipton – </b><span>Connection Science Fellow at MIT Connection Science</span></p> <h2>News this week</h2> <ol> <li> <b>FT – </b><span>Big banks miss out on FinTech investment opportunities : </span><a href="https://www.ft.com/content/7bb8b180-8716-11e6-a75a-0c4dce033ade"><span>LINK</span></a> </li> <li> <b>Banking Tech</b><span> – MasterCard and SolarisBank partner for digital banking push : </span><a href="http://www.bankingtech.com/606552/mastercard-and-solarisbank-partner-for-digital-banking-push/"><span>LINK</span></a> </li> <li> <b>Finextra</b><span> – UK banks lag behind rest of high street on customer experience – BookingBug : </span><a href="https://www.finextra.com/pressarticle/66537/uk-banks-lag-behind-rest-of-high-street-on-customer-experience---bookingbug"><span>LINK</span></a> </li> <li> <b>Telegraph</b><span> – Bank of England’s Mark Carney and Philip Hammond in bank ‘war game’ : </span><a href="http://www.telegraph.co.uk/business/2016/10/09/bank-of-englands-mark-carney-and-philip-hammond-in-bank-war-game/"><span>LINK</span></a> </li> <li> <b>BBC</b><span> – RBS squeezed struggling businesses to boost profits, leak reveals  : </span><a href="http://www.bbc.co.uk/news/uk-37591335"><span>LINK</span></a> </li> <li> <b>Express</b><span> – Which banks are getting most complaints from YOU? : </span><span><a href="http://www.express.co.uk/finance/personalfinance/707796/banks-are-getting-most-complaints-Financial-Ombudsman-Service">LINK</a></span> </li> <li><b><b>Forbes</b><span> – Why The Teacher Of The Future Will Be Neither Man Nor Machine : </span><a href="http://www.forbes.com/sites/bernardmarr/2016/10/11/why-the-teacher-of-the-future-will-be-neither-man-nor-machine/#20b6c03a6655"><span>LINK</span></a></b></li> </ol> <p>Got a burning question or just want to shout of how much you’re loving what’s in your ears right now? Contact us on Twitter <a href="https://twitter.com/FinTechInsiders">@FinTechInsider</a> or <a href="https://twitter.com/11FSTeam">@11FSTeam</a>, or email on FinTechInsider@11fs.co.uk</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/114-apis/">Ep114 – Yipi-API-yay: open platforms, marketplaces and next-gen banking.</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/114-apis/">Ep114 – Yipi-API-yay: open platforms, marketplaces and next-gen banking</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Oct 19, 2016
Ep113 – Financial Inclusion: Banking The Next Billion
2:00:07
<h2>In this episode</h2> <p>This week we had the pleasure of talking to some global thought leaders in the space of Financial Inclusion.</p> <p>This week we welcome onto the show <strong>Kosta Peric</strong> (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/copernicc">@<span class="u-linkComplex-target">copernicc</span></a>) who is the Deputy Director, Financial Services for the Poor at Bill &amp; Melinda Gates Foundation. We have <strong>Faith Reynolds</strong> who is a Member of the Financial Innovation Standing Committee CWG at ESMA. We have <strong>Jaz O’hara</strong> the founder at the World Wide Tribe (<a href="http://theworldwidetribe.com">www.theworldwidetribe.com</a>) and lastly we have <strong>Lynsey Barber</strong> (<a class="ProfileCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/lynseybarber">@<span class="u-linkComplex-target">lynseybarber</span></a>) who is the Tech Reporter for City A.M.</p> <p>We’ve a huge show for you chatting through some of the main issues surrounding Financial Inclusion.</p> <h2>News this week</h2> <ol> <li> <b>FT </b><span>Banks are not making proper use of </span><a href="https://www.ft.com/content/7bb8b180-8716-11e6-a75a-0c4dce033ade"><span>Fintech</span></a> </li> <li> <b>Finextra</b><span> – ING to spend EUR800M on Digital and Shed 7,000 Jobs </span><a href="https://www.finextra.com/newsarticle/29533/ing-to-spend-eur800-million-on-digital-integration-shed-7000-jobs"><span>Link</span></a> </li> <li> <b>Reuters</b><span> – Deutsche Bank in race to settle DoJ $14Bn Fine </span><a href="http://www.reuters.com/article/us-usa-election-clinton-idUSKCN12309Y?feedType=RSS&amp;feedName=businessNews&amp;utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+reuters%2FbusinessNews+%28Business+News%29"><span>Link</span></a> </li> <li> <b>FT</b><span> – Start-up WB21 Moves to Berlin but not all is as it seems </span><a href="http://ftalphaville.ft.com/2016/10/03/2176457/farewell-wb21-we-hardly-knew-ya/"><span>Link</span></a> </li> <li> <b>Finextra</b><span> – Banks ready for real world Blockchain </span><a href="https://www.finextra.com/newsarticle/29514/banks-ready-for-real-world-blockchain"><span>Link</span></a> </li> <li> <b>PYMNTS</b><span> – AliPay launching in three London Stores </span><a href="http://www.pymnts.com/news/payment-methods/2016/alipay-mobile-wallet-now-in-three-london-body-shop-stores/"><span>Link</span></a> </li> <li> <b>Techcrunch</b><span> – Grow launches its App for Socially Responsible Investing </span><a href="https://techcrunch.com/2016/09/29/grow-launches-its-app-for-socially-responsible-investing/"><span>Link</span></a> </li> <li> <b>The Memo </b><span>-Moni Gives Financial Inclusion and dignity to European Migrants and refugees </span><a href="http://www.thememo.com/2016/10/03/moni-offers-financial-inclusion-and-dignity-for-6000-european-migrants/"><span>Lin</span></a><span>k</span> </li> <li> <b>Euromoney </b><span>FInancial Inclusion is changing the face of banking </span><a href="http://www.euromoney.com/Article/3586642/How-financial-inclusion-will-change-the-face-of-banking.html"><span>Link</span></a> </li> </ol> <p>Got a burning question or just want to shout of how much you’re loving whats in your ears right now? Contact us on Twitter <a href="https://twitter.com/FinTechInsiders">@FinTechInsider</a> or <a href="https://twitter.com/11FSTeam">@11FSTeam</a>, or email on FinTechInsider@11fs.co.uk</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/113-financial-inclusion-banking-next-billion/">Ep113 – Financial Inclusion: Banking The Next Billion.</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/113-financial-inclusion-banking-next-billion/">Ep113 – Financial Inclusion: Banking The Next Billion</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Oct 11, 2016
Ep112 – The Secrets of Berlin FinTech Superstars
2:05:03
<h2>In this episode</h2> <p>This week we had the pleasure of visiting Berlin, an incredible, vibrant and historic city, now becoming a global Tech and FinTech Hub.  We bring you the brightest and best from the Berlin FinTech scene.</p> <p>Your hosts, as always, is <span>David Brear (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/davidbrear">@<span class="u-linkComplex-target">davidbrear</span></a>) and J</span>ason Bates (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/JasonBates">@<span class="u-linkComplex-target">JasonBates</span></a>) Simon Taylor (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/sytaylor">@<span class="u-linkComplex-target">sytaylor</span></a>) and Chris Skinner (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/Chris_Skinner">@<span class="u-linkComplex-target">Chris_Skinner</span></a>).</p> <p>We’re joined by our kind hosts from Berlin Marko Wenthin (<a href="http://twitter.com/solarisbank">@solarisbank</a>) and Philipp Blankenagel (<a href="http://twitter.com/pblankangel">@Pblankangel</a>)</p> <p>We interview Valentin Stalf (<a href="http://twitter.com/valentinstalf">@valentinstalf</a>) the CEO of the Red Hot N26 Challenger Bank</p> <p><span>Then we finish up with an interview with a really interesting concept from Oliver Neumann of OptioPay (<a href="http://twitter.com/otneumann">@otneumann</a>)</span></p> <h2>News this week</h2> <ol> <li> <b>Economist</b><span> – Central Banks Taking it to 11 : </span><a href="http://www.economist.com/news/finance-and-economics/21707939-how-central-banks-are-distorting-corporate-bond-and-equity-markets-taking-it"><span>LINK</span></a> </li> <li> <b>The Guardian </b><span>– Global Banking Shares Dive among $14bn Deutsche Bank Fine : </span><a href="https://www.theguardian.com/business/2016/sep/16/european-banking-shares-unsettled-by-deutsche-bank-fine-fears"><span>LINK</span></a> </li> <li> <b>The Verge</b><span> – Elon Musk: First humans who journey to Mars must ‘be prepared to die’ : </span><a href="http://www.theverge.com/2016/9/27/13080836/elon-musk-spacex-mars-mission-death-risk"><span>LINK</span></a> </li> <li> <b>Telegraph</b><span> – Almost 5,500 firms use passports to access EU from UK : </span><a href="http://www.telegraph.co.uk/business/2016/09/20/almost-5500-finance-firms-use-passports-to-access-single-market/"><span>LINK</span><span><br> </span></a><span>Connected to this one..</span> </li> <li> <b>Standard</b><span> – Sadiq Khan confirms ‘London work permit’ plans to stop post-Brexit exodus : </span><a href="http://www.standard.co.uk/news/london/sadiq-khan-confirms-plans-for-separate-london-work-permits-to-stop-postbrexit-exodus-of-skilled-a3355466.html?utm_content=buffer18f87&amp;utm_medium=social&amp;utm_source=twitter.com&amp;utm_campaign=buffer"><span>LINK</span></a> </li> <li><span>Accenture creates editable blockchain – LOL</span></li> <li> <b>Business Insider – </b><span>Scaleable Capital attracting 4m Euro per week in deposits : </span><a href="http://uk.businessinsider.com/fintech-scalable-capital-attracting-4-million-in-deposits-each-week-2016-9"><span>LINK</span></a> </li> <li> <b>Fast Company – </b><span>Simple launches dual card thing : </span><span><a href="https://news.fastcompany.com/simple-bank-launches-joint-accounts-for-anyone-whos-sharing-expenses-4020628">LINK</a></span> </li> </ol> <p>Got a burning question or just want to shout of how much you’re loving whats in your ears right now? Contact us on Twitter <a href="https://twitter.com/FinTechInsiders">@FinTechInsider</a> or <a href="https://twitter.com/11FSTeam">@11FSTeam</a>, or email on FinTechInsider@11fs.co.uk</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep112-secrets-of-berlin/">Ep112 – The Secrets of Berlin Fintech Superstars</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep112-secrets-of-berlin/">Ep112 – The Secrets of Berlin FinTech Superstars</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Oct 04, 2016
Ep111 – Interviewed: The innovators really changing banking
2:25:42
<h2>In this episode</h2> <p>We have an awesome show for you this week talking to some of the most innovative people changing the way some of the largest banks on the planet operate.</p> <p>Your hosts, as always, is <span>David Brear (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/davidbrear">@<span class="u-linkComplex-target">davidbrear</span></a>) and J</span>ason Bates (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/JasonBates">@<span class="u-linkComplex-target">JasonBates</span></a>) with an by interview Simon Taylor (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/sytaylor">@<span class="u-linkComplex-target">sytaylor</span></a>) but with Chris Skinner (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/Chris_Skinner">@<span class="u-linkComplex-target">Chris_Skinner</span></a>) MIA this week.</p> <p>We welcome back <span>Anna Irrera (</span><a href="https://twitter.com/annairrera">@annairrera</a><span>) – Fintech reporter for Financial News, Dow Jones as well as </span><span>Mariano Belinky (</span><a href="https://twitter.com/belimad">@belimad</a><span>) and </span><span>Pascal Bouvier – (</span><a href="https://twitter.com/pascalbouvier">@pascalbouvier</a><span>) from</span><span> Santander InnoVentures talking about their fund and how things work in Santander.</span></p> <p>We interview Shamir Karkal (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/shamir_k">@<span class="u-linkComplex-target">shamir_k</span></a>) the former founder and CEO of Simple and now the Head of APIs for BBVA.</p> <p><span>Lastly we talk to Neal Cross (</span><a href="https://twitter.com/Neal_X">@Neal_X</a><span>) </span><span>– Chief Innovation Officer at DBS Bank about the transformation he has spearheaded at DBS as well as what its like to be crowned the most innovative CIO on the planet.</span></p> <h2>News this week</h2> <ol> <li> <b>REUTERS</b><span> – Wells Fargo seeks to shore up reputation in wake of scandal : </span><a href="http://www.reuters.com/article/us-usa-banks-wells-fargo-idUSKCN11J2PZ?feedType=RSS&amp;feedName=businessNews&amp;utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+reuters%2FbusinessNews+%28Business+News%29"><span>LINK</span></a> </li> <li><b>eFinancial News<span> – Citi fintech acceleration head departs : </span><span><a href="http://www.efinancialnews.com/story/2016-09-12/citi-loses-fintech-acceleration-head">LINK</a></span></b></li> <li> <b>FT – UK Regulators are the most FinTech friendly : </b><b><a href="https://www.ft.com/content/ff5b0be4-7381-11e6-bf48-b372cdb1043a">LINK</a></b> </li> <li> <b>REUTERS – </b><span>Hong Kong to launch banking fintech ‘sandbox’ as rivals pull ahead: </span><span><a href="http://www.reuters.com/article/us-hongkong-banks-regulator-idUSKCN11C0EV">LINK</a></span> </li> <li> <b>Finextra</b><span> – Singapore and Switzerland forge FinTech pact : </span><span><a href="https://www.finextra.com/newsarticle/29427/singapore-and-switzerland-forge-fintech-pact">LINK</a></span> </li> <li><b><b>FinNews – </b><span>CBA and Barclays Reveal Long Distance Fintech Solution </span><b>: </b><b><a href="http://www.finews.asia/finance/22989-fintech-barclays-commonwealth-bank-of-australia">LINK</a></b></b></li> <li> <b>Business Insider –</b><span> Facebook has announced messenger payments – AGAIN : </span><a href="http://uk.businessinsider.com/r-facebook-announces-payment-capabilities-for-messenger-service-2016-9?r=US&amp;IR=T"><span>LINK</span></a><span> (plus Alexa, iOS10, imessage apps, loads of stuff this week)</span> </li> <li> <b>BBC</b><span> – Bank of England to buy Apple bonds : </span><a href="http://www.bbc.co.uk/news/business-37348889"><span>LINK</span></a> </li> <li> <b>New Chewable bank note</b><span> : </span><span><a href="http://www.nytimes.com/2016/09/14/business/international/britain-unveils-new-5-pound-note-in-bid-to-foil-counterfeiters.html?_r=0">Link</a></span> </li> <li> <b>Coin Desk –</b><span> Big Banks Invest $55 Million in Blockchain Startup Ripple’s Series B :</span> <a href="http://www.coindesk.com/ripple-blockchain-55-million-series-b/"><b>LINK</b></a> </li> </ol> <p>Got a burning question or just want to shout of how much you’re loving whats in your ears right now? Contact us on Twitter <a href="https://twitter.com/FinTechInsiders">@FinTechInsider</a> or <a href="https://twitter.com/11FSTeam">@11FSTeam</a>, or email on FinTechInsider@11fs.co.uk</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep111-interviewed-innovators-really-changing-banking/">Ep111 – Interviewed: The innovators really changing banking.</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep111-interviewed-innovators-really-changing-banking/">Ep111 – Interviewed: The innovators really changing banking</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Sep 25, 2016
Ep110 – Will AI change the world of Banking?
1:53:11
<p><b>This week we have a marathon of a show focussing on AI, Bots, Machine Learning and everything else augmented. </b></p> <p>Your hosts, as always, is <span>David Brear (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/davidbrear">@<span class="u-linkComplex-target">davidbrear</span></a>), J</span>ason Bates (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/JasonBates">@<span class="u-linkComplex-target">JasonBates</span></a>), Simon Taylor (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/sytaylor">@<span class="u-linkComplex-target">sytaylor</span></a>) and Chris Skinner (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/Chris_Skinner">@<span class="u-linkComplex-target">Chris_Skinner</span></a>)</p> <p>We have a fantastic lineup this week of guests with; Devika Thapar (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/DeeThapar">@<span class="u-linkComplex-target">DeeThapar</span></a>) – Financial Services Leader, IBM Watson, Dr. Ella Rabener (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/ella_rabener">@<span class="u-linkComplex-target">ella_rabener</span></a>) – CMO of Scalable Capital and Ereli Eran (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/ereli">@<span class="u-linkComplex-target">ereli</span></a>) – Senior Data Scientist at Ravelin.</p> <p>We hope you enjoy the show <img class="wp-smiley" src="https://s.w.org/images/core/emoji/2.2.1/72x72/1f642.png" alt="?"></p> <p><span><strong>Key stories this week:</strong></span></p> <ol> <li> <b>IB Times</b><span> – Barclays completes the world’s first live, end to end trade finance transaction with a live customer on Blockchain : </span><a href="http://www.ibtimes.co.uk/barclays-wave-complete-worlds-first-blockchain-trade-finance-transaction-1580086"><span>LINK</span></a> </li> <li> <b>QZ.com –</b><span> Alphabet, Amazon, Facebook, IBM, and Microsoft are creating the Justice League for AI : </span><a href="http://qz.com/772901/alphabet-amazon-facebook-ibm-and-microsoft-are-creating-the-justice-league-for-ai/"><span>LINK</span></a> </li> <li> <b>Technology Review</b><span> – MIT report – </span><span>AI Wants to Be Your Bro, Not Your Foe : </span><a href="https://www.technologyreview.com/s/602278/ai-wants-to-be-your-bro-not-your-foe/"><span>LINK</span></a> </li> <li> <b>Polygon</b><span> – Watch the first ever movie trailer made by artificial intelligence : </span><a href="http://www.polygon.com/2016/9/1/12753298/morgan-trailer-artificial-intelligence"><span>LINK</span></a> </li> <li> <b>Venture Beat </b><span>– Are chatbots an evolution or a revolution? : </span><a href="http://venturebeat.com/2016/09/01/are-chatbots-an-evolution-or-a-revolution/"><span>LINK</span></a> </li> <li> <b>Venture Beat</b><span> – Apple pushes its AI expert hiring spree into overdrive : </span><a href="http://www.cultofmac.com/443896/apples-pushing-its-ai-expert-hiring-spree-into-overdrive/"><span>LINK</span></a><span> </span> </li> <li> <b>The Drum</b><span> – David Ogilvy’s first interview since he died? Possibly not but Watson and The Drum prove his ideas are still alive : </span><a href="http://www.thedrum.com/news/2016/06/16/david-ogilvys-first-interview-he-died-possibly-not-watson-and-drum-prove-his-ideas"><span>LINK</span></a><span> </span> </li> <li> <b>Venture Beat</b><span> – A Microsoft chatbot is insulting people again, and that’s a good thing : </span><a href="http://venturebeat.com/2016/08/31/microsoft-chatbot-is-insulting-people-again-and-thats-a-good-thing/?utm_campaign=crowdfire&amp;utm_content=crowdfire&amp;utm_medium=social&amp;utm_source=twitter"><span>LINK</span></a> </li> </ol> <p>Got a burning question or just want to shout of how much you’re loving whats in your ears right now? Contact us on Twitter <a href="https://twitter.com/FinTechInsiders">@FinTechInsider</a> or <a href="https://twitter.com/11FSTeam">@11FSTeam</a>, or email on FinTechInsider@11fs.co.uk</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep110-ai-bots-machine-learning-augmented-life/">Ep110 – Will AI change the world of Banking?</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep110-ai-bots-machine-learning-augmented-life/">Ep110 – Will AI change the world of Banking?</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Sep 20, 2016
Ep109 – The Secret to UK FinTech Success
1:02:04
<p>This week we are unpacking some of the latest and greatest breaking news with Ed Maslaveckas (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/Ed_Masl">@<span class="u-linkComplex-target">Ed_Masl</span></a>) and Jamie Campbell (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/JCtheOriginal">@<span class="u-linkComplex-target">JCtheOriginal</span></a>).</p> <p>We are also joined by the fantastic Lawrence Wintermeyer (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/lwintermeyer">@<span class="u-linkComplex-target">lwintermeyer</span></a>) who is the CEO of Innovative Finance.</p> <p><strong>Key stories this week:</strong></p> <ol> <li> <b>Independent – </b><span>Apple tax: UK says it welcomes any company after tech-giant hit with £11bn Irish tax bill : </span><a href="http://www.independent.co.uk/news/uk/politics/apple-tax-uk-says-it-welcomes-any-company-after-tech-giant-hit-with-11bn-irish-tax-bill-a7216981.html"><span>LINK</span></a> </li> <li> <b>Fortune</b><span> – Beware of Blockchain Hype Says Chain CEO Adam Ludwin : </span><a href="http://fortune.com/2016/08/29/chain-blockchain/"><span>LINK</span></a> </li> <li> <b>Coin Desk</b><span> – IBM Bridges Blockchain, AI With New Business Unit : </span><a href="http://www.coindesk.com/ibm-blockchain-ai-new-business-unit/"><span>LINK</span></a> </li> <li> <b>Australian Financial Review</b><span> – ANZ Bank ups cloud focus with open networks for fintech collaboration : </span><a href="http://www.afr.com/technology/cloud-computing/anz-bank-ups-cloud-focus-with-open-networks-for-fintech-collaboration-20160824-gqzzks"><span>LINK</span></a><span> </span> </li> <li> <b>Business Insider </b><span>– Oscar – City CEO: ‘The whole banking model is a bit broken’ and at risk of an Uber moment : </span><a href="http://uk.businessinsider.com/finncap-ceo-sam-smith-the-whole-banking-model-is-a-bit-broken-2016-8"><span>LINK</span></a> </li> <li> <b>Telegraph</b><span> – Jeremy Corbyn has a plan to ‘democratise the internet’. But does he even understand it himself? </span><a href="http://www.telegraph.co.uk/news/2016/08/30/jeremy-corbyn-has-a-plan-to-democratise-the-internet-but-does-he/"><span>LINK</span></a> </li> <li> <b>Monzo</b><span> – Mondo is now Monzo : </span><a href="https://monzo.com/blog/2016/08/25/monzo/"><span>LINK</span></a> </li> </ol> <p>If you enjoyed this episode, please subscribe using your favourite podcasting app and leave us a review on iTunes or the podcast platform of your choosing <img class="wp-smiley" src="https://s.w.org/images/core/emoji/2.2.1/72x72/1f642.png" alt="?"></p> <p>Got a burning question or just want to shout of how much you’re loving whats in your ears right now? Contact us on Twitter <a href="https://twitter.com/FinTechInsiders">@FinTechInsider</a> or <a href="https://twitter.com/11FSTeam">@11FSTeam</a>, or email on FinTechInsider@11fs.co.uk</p> <p> </p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep109/">Ep109 – The Secret to UK FinTech Success</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep109/">Ep109 – The Secret to UK FinTech Success</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Sep 10, 2016
Ep108 – Everything Blockchain. Ever.
1:36:44
<h2>Key stories this week:</h2> <ol> <li> <b>Finextra</b><span> – BBVA says EU Bonus Cap hampers tech talent acquisition : </span><a href="https://www.finextra.com/newsarticle/29340/bbva-says-eu-bonus-cap-hampers-tech-talent-acquisition%20"><span>LINK</span></a> </li> <li> <b>Tech Crunch</b><span> – LendUp secures $47m to build the “Friendly dolphin” not loan shark of credit cards : </span><a href="https://techcrunch.com/2016/08/22/the-loan-dolphin-swims-again/%20"><span>LINK</span></a> </li> <li> <b>Coin Desk –</b><span> Bitfinex to issue company equity (?!) to refund customers of hack : </span><a href="http://www.coindesk.com/bitfinex-equity-bitcoin-exchange/%20"><span>LINK</span></a><span>  </span> </li> <li> <b>Coin Desk</b><span> – One month after the DAO hack millions of dollars worth of funds unclaimed : </span><a href="http://www.coindesk.com/25-million-of-dao-ether-still-remain-one-month-after-hard-fork/%20"><span>LINK</span></a> </li> <li> <b>Coin Desk</b><span> : Digital Asset to open source “smart contract language” : </span><span><a href="http://www.coindesk.com/digital-asset-open-source-smart-contract-language/%20">LINK</a></span> </li> </ol> <p>If you enjoyed this episode, <strong>please subscribe below using your favourite podcasting app!</strong></p> <p>Got a burning question or just want to shout of how much you’re loving whats in your ears right now? Contact us on <a href="https://twitter.com/FinTechInsiders">@FinTechInsider</a> or <a href="https://twitter.com/11FSTeam">@11FSTeam</a>.</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/ep108-everything-blockchain-ever/">Ep108 – Everything Blockchain. Ever.</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/ep108-everything-blockchain-ever/">Ep108 – Everything Blockchain. Ever.</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Sep 01, 2016
Ep107 – Why Asia-Pacific will rule the Fintech world
1:16:21
<h2> <strong>Key stories</strong> this<strong> week:</strong> </h2> <ol> <li><strong>Alibaba Makes VR Payments Play : <a href="https://www.finextra.com/newsarticle/29286/alibaba-makes-vr-payments-play">LINK</a></strong></li> <li><strong>Standard Chartered rolling out Touch ID across APAC and MEA : <a href="https://www.finextra.com/newsarticle/29303/standard-chartered-commits-to-a-biometric-future-qatari-bank-reads-finger-veins-at-atms">LINK</a></strong></li> <li><strong>Fenqile gets $235M to get people paying in “happy installments” : <a href="https://www.techinasia.com/chinese-startup-nabs-235m-funding-people-paying-installments">LINK</a></strong></li> <li><strong>Hong Kong start-ups starved of banking services : <a href="http://www.channelnewsasia.com/news/asiapacific/hong-kong-start-ups/3044666.html">LINK</a></strong></li> <li><strong>15 R3 Members Trial Distributed Ledger Tech for Trade Finance : <a href="http://www.coindesk.com/15-r3-members-trial-distributed-ledger-tech-trade-finance/?utm_term=0_74abb9e6ab-165f67db84-78988345&amp;utm_content=bufferbab86&amp;utm_medium=social&amp;utm_source=twitter.com&amp;utm_campaign=buffer">LINK</a></strong></li> <li><strong>ANZ hire Maile Carnegie from Google – doomed to fail?  – <a href="http://www.afr.com/technology/maile-carnegie-plans-to-make-anz-think-like-google-20160810-gqplin">LINK</a></strong></li> </ol> <p>If you enjoyed this episode, <strong>please subscribe below using your favourite podcasting app!</strong></p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/asia-pacific-will-rule-fintech-world/">Ep107 – Why Asia-Pacific will rule the Fintech world</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/asia-pacific-will-rule-fintech-world/">Ep107 – Why Asia-Pacific will rule the Fintech world</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Aug 22, 2016
Ep106 – CMA Special: How will APIs change banking?
1:29:15
<p>This week we’re joined by Bill Sullivan (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/WFSULLIVAN3">@<span class="u-linkComplex-target">WFSULLIVAN3</span></a>) Global Head Financial Services Market Intelligence <a class="tweet-url twitter-atreply pretty-link" href="https://twitter.com/Capgemini">@Capgemini</a>, Dominic Lindley (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/DominicLindley">@<span class="u-linkComplex-target">DominicLindley</span></a>) <span class="new-miniprofile-container /biz/miniprofile/9183982?pathWildcard=9183982"><a href="https://www.linkedin.com/company/9183982?trk=prof-exp-company-name">Financial Services Consumer Panel</a> and friend of the show appearing for her hat-trick Anna Irrera (<a class="ProfileHeaderCard-screennameLink u-linkComplex js-nav" href="https://twitter.com/annairrera">@<span class="u-linkComplex-target">annairrera</span></a>) Trading and tech reporter for <a class="tweet-url twitter-atreply pretty-link" href="https://twitter.com/FinancialNews">@FinancialNews</a> (part of <a class="tweet-url twitter-atreply pretty-link" href="https://twitter.com/wsj">@wsj</a>).</span></p> <h1><strong>Key stories this week:</strong></h1> <ol> <ol> <li> <b>Finextra</b><span> – Bitcoin and Blockchain “pose little risk to payments players” Credit Suisse Blockchain Report:</span><a href="https://www.finextra.com/finextra-downloads/newsdocs/document-1063851711.pdf?utm_content=bufferfc830&amp;utm_medium=social&amp;utm_source=twitter.com&amp;utm_campaign=buffer"><span> LINK</span></a> </li> <li> <b>TechCrunch – </b><span>200m revenue for Pokemon go</span><b> – </b><a href="https://techcrunch.com/2016/08/07/pokemon-go-crosses-200m-in-global-revenue-one-month-into-launch/"><span>LINK</span></a><span> </span> </li> <li><b>Business Insider – <span>Fintech funding has declined except for one key area : </span><a href="http://uk.businessinsider.com/fintech-funding-has-declined-except-for-one-key-area-2016-8"><span>LINK</span></a></b></li> <li> <b>Mashable</b><span> – Apple Pay fights back against Australian banks </span><a href="http://mashable.com/2016/08/10/apple-pay-banks-fight/"><span>LINK</span></a> </li> <li><b>How fintech could cash in on BoE rate cut – <span>How fintech could cash in on BoE rate cut : </span><a href="https://brexit.efinancialnews.com/how-fintech-could-cash-in-on-boe-rate-cut-4cb34d51ca39#.lxmzqe8bx"><span>LINK</span></a></b></li> <li> <b>Finextra</b><span> – RBS scraps W&amp;G carve out : </span><a href="https://www.finextra.com/newsarticle/29270/rbs-scraps-wg-carve-out-writes-off-345-million-spend-on-spin-off"><span>LINK</span></a> </li> <li> <b>Coin Telegraph</b><span> – IBM to Launch One of the Largest Blockchain Implementations in the World : </span><a href="https://cointelegraph.com/news/ibm-to-launch-one-of-the-largest-blockchain-implementations-in-the-world?utm_content=buffer46f41&amp;utm_medium=social&amp;utm_source=twitter.com&amp;utm_campaign=buffer"><span>LINK</span></a> </li> <li> <b>Qapital integration</b><span> – The thin edge of the wedge for APIs: </span><a href="http://www.tradestreaming.com/2016/02/24/how-qapital-uses-ifttt-to-create-endless-savings-triggers?utm_campaign=Tradestreaming&amp;utm_medium=web&amp;utm_source=Tradestreaming_39"><span>LINK</span></a> </li> <li> <b>Tech Crunch – Mondo</b><span> get’s its banking licence … with restrictions : </span><a href="https://techcrunch.com/2016/08/11/its-game-on-as-mondo-the-uk-banking-startup-finally-becomes-a-licensed-bank/"><span>LINK</span></a> </li> </ol> </ol> <p>If you enjoyed this episode, please subscribe below using your favourite podcasting app, follow the show <a href="https://twitter.com/FinTechInsiders">@FinTechInsiders</a> or get in touch and tell us what you think at <a href="mailto:FinTechInsider@11FS.co.uk">FinTechInsider@11FS.co.uk</a></p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/fintech-insider-episode-106-will-apis-change-banking/">Ep106 – CMA Special: How will APIs change banking?</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/fintech-insider-episode-106-will-apis-change-banking/">Ep106 – CMA Special: How will APIs change banking?</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Aug 15, 2016
Ep105 – Putting the brakes on accelerators
1:26:39
<h2>Key stories this week:</h2> <ul> <li><a href="http://www.coindesk.com/bitcoin-drops-12-exchange-hack-amplifies-price-decline/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+CoinDesk+%28CoinDesk+-+The+Voice+of+Digital+Currency%29"><strong>Bitcoin drops 20% on news of another exchange hack:</strong></a></li> <li><a href="https://www.finextra.com/pressarticle/65540/transferwise-gets-direct-access-to-faster-payments?utm_medium=rss&amp;utm_source=finextrafeed"><strong>TransferWise gets direct access to Faster Payments</strong></a></li> <li><a href="http://finovate.com/q2-fintech-fundings/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+finovate+%28Finovate%29"><strong>Fintech Fundings: 186 Companies Raised $1.6 Billion in June</strong></a></li> <li><a href="http://thefinanser.com/2016/07/seven-year-old-idea-comes-age-bank-service.html/"><strong>A seven year old idea comes of age: Bank-as-a-Service</strong></a></li> <li><a href="http://bankinnovation.net/2016/08/venmos-25-growth-means-it-will-soon-be-larger-than-any-bank-p2p-service/"><strong>Venmo Will Soon Be Larger Than Any Bank P2P Service</strong></a></li> <li><a href="http://www.computerweekly.com/news/450301452/German-digital-bank-Fidor-acquired-by-French-banking-giant"><strong>German digital bank Fidor acquired by French banking giant</strong></a></li> <li><a href="http://fortune.com/2016/07/27/apple-national-australia-bank-westpac-commonwealth-bank-antitrust/"><strong>Why Australia’s Biggest Banks Are Going After Apple</strong></a></li> <li><a href="https://www.finextra.com/newsarticle/29245/barclays-rolls-out-voice-biometrics-for-phone-banking?utm_medium=dailynewsletter&amp;utm_source=2016-8-2"><strong>Barclays rolls out voice biometrics for phone banking</strong></a></li> </ul> <p>If you enjoyed this episode, please subscribe below using your favourite podcasting app, follow the show <a href="https://twitter.com/FinTechInsiders">@FinTechInsiders</a> or get in touch at <a href="mailto:FinTechInsider@11FS.co.uk">FinTechInsider@11FS.co.uk</a></p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/fintech-insider-episode-105-putting-breaks-accellerators/">Ep105 – Putting the brakes on accelerators</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/fintech-insider-episode-105-putting-breaks-accellerators/">Ep105 – Putting the brakes on accelerators</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Aug 09, 2016
Ep104 – Lots and lots of news
1:23:32
<h2><strong><span>This week:</span></strong></h2> <p>This week we talk to some of the best people in banking and Fintech with Dave Birch, Director of Innovation at Consult Hyperion (<a href="https://twitter.com/dgwbirch">@dgwbirch</a>) and Izabella Kaminska, Financial Times Alphaville (<a href="https://twitter.com/izakaminska">@izakaminska</a>). We also interviewed <a href="https://it.linkedin.com/in/antonio-fratta-pasini-a442831a">Antonio Fratta Pasini</a> from CheBanca! (<a href="https://twitter.com/chebanca">@chebanca</a>)</p> <p>We hoped you like Episode 104 – Follow us and tell us what you think of the show <a href="https://twitter.com/FinTechInsiders">@FinTechInsiders</a> or get in touch on <a href="mailto:FinTechInsider@11FS.co.uk">FinTechInsider@11FS.co.uk</a></p> <p> </p> <h2><span><strong>In the news we chatted through:</strong></span></h2> <p><strong>Mark Andreesen and a16z go long on chat<br> </strong><br> <a href="http://a16z.com/2016/07/24/money-as-message/">http://a16z.com/2016/07/24/money-as-message/ </a></p> <p><strong>Break up the financial watchdog over HBOS failures, MPs urge<br> </strong><br> <a href="http://www.telegraph.co.uk/business/2016/07/25/break-up-the-financial-watchdog-over-hbos-failures-mps-urge/?WT.mc_id=e_DM143962&amp;WT.tsrc=email&amp;etype=Edi_Cit_New_Tue_9Sections&amp;utm_source=email&amp;utm_medium=Edi_Cit_New_Tue_9Sections_2016_07_26&amp;utm_campaign=DM143962">http://www.telegraph.co.uk/business/2016/07/25/break-up-the-financial-watchdog-over-hbos-failures-mps-urge/?WT.mc_id=e_DM143962&amp;WT.tsrc=email&amp;etype=Edi_Cit_New_Tue_9Sections&amp;utm_source=email&amp;utm_medium=Edi_Cit_New_Tue_9Sections_2016_07_26&amp;utm_campaign=DM143962</a></p> <p><strong>As goes correspondent banking so goes globalisation<br> </strong><br> <a href="http://ftalphaville.ft.com/2016/07/26/2170875/as-goes-correspondent-banking-so-">http://ftalphaville.ft.com/2016/07/26/2170875/as-goes-correspondent-banking-so-</a></p> <p><strong>Italian finance minister rejects need for banks bail-in – Financial Times<br> </strong><br> <a href="http://goo.gl/yQPlDI">http://goo.gl/yQPlDI</a></p> <p><strong>Engineers vs urban geometry<br> </strong><br> <a href="http://ftalphaville.ft.com/2016/07/22/2170732/engineers-vs-urban-geometry/">http://ftalphaville.ft.com/2016/07/22/2170732/engineers-vs-urban-geometry/</a></p> <p><strong>Fidor fuels O2 mobile banking launch<br> </strong><br> <a href="http://goo.gl/NuQU6I">http://goo.gl/NuQU6I</a></p> <p><strong>Fintech sector sees 23 deals worth $184 million till June this year – Economic Times<br> </strong><br> <a href="http://goo.gl/F4Df3F">http://goo.gl/F4Df3F</a></p> <p><strong>Mark Carney Has Started A Revolution By Embracing Fintech – Forbes<br> </strong><br> <a href="http://goo.gl/okTLI8">http://goo.gl/okTLI8</a></p> <p><strong>Drop in internet banking as rise in banking apps use is recorded<br> </strong><br> <a href="http://goo.gl/BGu4WN">http://goo.gl/BGu4WN</a></p> <p>We hoped you like Episode 104 – Follow us and tell us what you think of the show <a href="https://twitter.com/FinTechInsiders">@FinTechInsiders</a> or get in touch on <a href="mailto:FinTechInsider@11FS.co.uk">FinTechInsider@11FS.co.uk</a></p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/fintech-insider-episode-104-lots-lots-news/">Ep104 – Lots and lots of news</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/fintech-insider-episode-104-lots-lots-news/">Ep104 – Lots and lots of news</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Aug 02, 2016
Ep103 – Blockchain, Blockchain, Blockchain
1:15:20
<p><strong>1) BT fault hits broadband users and banks</strong><br> <a href="http://www.bbc.co.uk/news/technology-36844712">http://www.bbc.co.uk/news/technology-36844712</a></p> <p><strong>2) Pokemon Go’s McDonald’s Partnership Points To A Promising Business Model<br> </strong><a href="http://www.forbes.com/sites/parmyolson/2016/07/20/pokemon-go-mcdonalds-japan-nintendo-revenue/#3e0f226160d5">http://www.forbes.com/sites/parmyolson/2016/07/20/pokemon-go-mcdonalds-japan-nintendo-revenue/#3e0f226160d5</a></p> <p><strong>3) Apple Pay says bonjour to France and nei ho to Hong Kong</strong><br> <a href="http://www.cnet.com/news/apple-pay-says-bonjour-to-france/">http://www.cnet.com/news/apple-pay-says-bonjour-to-france/</a></p> <p><strong>4) Oaknorth : first challenger bank to use Facebook at Work</strong><br> <a href="http://www.bankingtech.com/536972/oaknorth-first-challenger-bank-to-adopt-facebook-at-work/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=oaknorth-first-challenger-bank-to-adopt-facebook-at-work">http://www.bankingtech.com/536972/oaknorth-first-challenger-bank-to-adopt-facebook-at-work/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=oaknorth-first-challenger-bank-to-adopt-facebook-at-work</a></p> <p><strong>5) Silicon Valley billionaire Peter Thiel is doubling down on a German fintech startup</strong><br> <a href="http://uk.businessinsider.com/silicon-valley-billionaire-peter-thiel-increases-investment-in-germanys-deposit-solutions-2016-7">http://uk.businessinsider.com/silicon-valley-billionaire-peter-thiel-increases-investment-in-germanys-deposit-solutions-2016-7</a></p> <p><strong>6) Google’s DeepMind trains AI to cut its energy bills by 40%</strong><br> <a href="http://www.wired.co.uk/article/google-deepmind-data-centres-efficiency">http://www.wired.co.uk/article/google-deepmind-data-centres-efficiency</a></p> <p><strong>7) Santander’s fintech VC firm got another $100 million to invest</strong><br> <a href="http://uk.businessinsider.com/santander-innoventures-mariano-belinkey-new-fund-brexit-fintech-2016-7">http://uk.businessinsider.com/santander-innoventures-mariano-belinkey-new-fund-brexit-fintech-2016-7</a></p> <p><strong>8) A huge US bank is ignoring Brexit warning signs and is buying a new £300 million London HQ</strong><br> <a href="http://uk.businessinsider.com/wells-fargo-buys-new-london-office-despite-brexit-2016-7">http://uk.businessinsider.com/wells-fargo-buys-new-london-office-despite-brexit-2016-7</a></p> <p><strong>9) Central Bank Digital Currencies Could Boost GDP, Bank of England Says</strong><br> <a href="http://www.coindesk.com/central-bank-digital-currencies-boost-gdp-bank-england-says/">http://www.coindesk.com/central-bank-digital-currencies-boost-gdp-bank-england-says/</a></p> <p><strong>10) UK Legislators Cast Critical Eye on Bitcoin and Blockchain at Parliament Event<br> </strong> <a href="http://www.coindesk.com/committee-talks-blockchains-government-ethics-house-lords-hearing/">http://www.coindesk.com/committee-talks-blockchains-government-ethics-house-lords-hearing/</a></p> <p>We hoped you liked Episode 3 – Subscribe and follow <a href="http://This%20week%20we%20talk%20to%20ex%20UBS%20CIO%20Oliver%20Bussmann%20(&lt;a%20href=">@obussmann</a>) Marcus Treacher (<a href="https://twitter.com/marcus_treacher">@marcus_treacher</a>) who is the Global Head of Strategic Accounts at <a href="https://twitter.com/Ripple">@Ripple</a> and we also chat through the news with Oscar Willams Grut (<a href="https://twitter.com/OscarWGrut">@OscarWGrut</a>) who is the FinTech reporter for Business Insider. We hoped you like Episode 3 – Follow us and tell us what you think of the show <a href="https://twitter.com/FinTechInsiders">@FinTechInsiders</a> and keep letting us know what you think.</p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/fintech-insider-episode-103-blockchain-blockchain-blockchain/">Ep103 – Blockchain, Blockchain, Blockchain.</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/fintech-insider-episode-103-blockchain-blockchain-blockchain/">Ep103 – Blockchain, Blockchain, Blockchain</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Jul 25, 2016
Ep102 – Bitcoin halving, Bud and Pokemon Go!
1:44:39
<p><strong>Articles we discuss in the news:</strong></p> <p><strong>1. The Financial Brand – What can banks learn from Pokemon?</strong><br> <a href="https://thefinancialbrand.com/59873/banking-mobile-social-pokemon-go-app-engagement/">https://thefinancialbrand.com/59873/banking-mobile-social-pokemon-go-app-engagement/</a></p> <p><strong>2. Overdrafts more expensive than payday loans says ‘which’</strong><br> <a href="http://www.bbc.co.uk/news/business-36746372">http://www.bbc.co.uk/news/business-36746372</a></p> <p><strong>3. Fred Wilson says “Corporate VCs are the devil”</strong><br> <a href="https://www.cbinsights.com/blog/corporate-venture-capital-investment-disadvantages-fred-wilson-usv/?utm_source=The+Financial+Revolutionist+Weekly+Briefing&amp;utm_campaign=23e67c8e48-Weekly_Briefing_No_36&amp;utm_medium=email&amp;utm_term=0_bbba91202b-23e67c8e48-76962253">https://www.cbinsights.com/blog/corporate-venture-capital-investment-disadvantages-fred-wilson-usv/?utm_source=The+Financial+Revolutionist+Weekly+Briefing&amp;utm_campaign=23e67c8e48-Weekly_Briefing_No_36&amp;utm_medium=email&amp;utm_term=0_bbba91202b-23e67c8e48-76962253</a></p> <p><strong>4. Amex gets into SME lending</strong><br> <a href="http://www.crainsnewyork.com/article/20160705/TECHNOLOGY/160709995/amex-challenges-square-on-deck-with-small-business-oans-online?utm_source=The%20Financial%20Revolutionist%20Weekly%20Briefing&amp;utm_campaign=23e67c8e48-Weekly_Briefing_No_36&amp;utm_medium=email&amp;utm_term=0_bbba91202b-23e67c8e48-76962253">http://www.crainsnewyork.com/article/20160705/TECHNOLOGY/160709995/amex-challenges-square-on-deck-with-small-business-oans-online?utm_source=The%20Financial%20Revolutionist%20Weekly%20Briefing&amp;utm_campaign=23e67c8e48-Weekly_Briefing_No_36&amp;utm_medium=email&amp;utm_term=0_bbba91202b-23e67c8e48-76962253</a></p> <p><strong>5. US Founder in London says no intention to move post Brexit</strong><br> <a href="http://news.efinancialcareers.com/us-en/249475/heres-how-brexit-will-impact-the-us-vs-uk-fintech-rivalry">http://news.efinancialcareers.com/us-en/249475/heres-how-brexit-will-impact-the-us-vs-uk-fintech-rivalry</a></p> <p><strong>6. Revolut got funding – is fintech funding drying up?</strong><br> <a href="http://uk.businessinsider.com/fintech-revolut-series-a-brexit-crowdfund-2016-7">http://uk.businessinsider.com/fintech-revolut-series-a-brexit-crowdfund-2016-7</a></p> <p>&amp;</p> <p><a href="https://www.finextra.com/newsarticle/29165/revolut-breaks-uk-crowdfunding-record-with-over-12-million-pledged">https://www.finextra.com/newsarticle/29165/revolut-breaks-uk-crowdfunding-record-with-over-12-million-pledged</a></p> <p><strong>7. The US government says if you make less than $20 an hour, a robot is probably going to take your job</strong> <a href="http://qz.com/730399">http://qz.com/730399</a></p> <p>We hoped you liked Episode 2 – Follow us and tell us what you think of the show <a href="https://twitter.com/FinTechInsiders">@FinTechInsiders</a></p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/fintech-insider-episode-102-bitcoin-halving-bud-pokemon-go/">Ep102 – Bitcoin halving, Bud and Pokemon Go!</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/fintech-insider-episode-102-bitcoin-halving-bud-pokemon-go/">Ep102 – Bitcoin halving, Bud and Pokemon Go!</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Jul 20, 2016
Ep101 – Brexit Special
52:41
<p>This week we are joined by <a href="https://twitter.com/annairrera">Anna Irrera</a> from the <a href="http://www.efinancialnews.com/search?q=Anna%20Irrera">Wall Street Journal</a> as well as <a href="https://twitter.com/SophieGuibaud">Sophie Guibaud</a> from <a href="https://twitter.com/FidorUK">Fidor</a> to talk about how they see Brexit impacting Fidor and the Fintech world.</p> <p><strong>Articles we discuss in the news:</strong></p> <p><strong>Apple Pay: Payment’s dirty little secret</strong><br> <a href="http://www.pymnts.com/news/mobile-payments/2016/apple-pay-adoption-usage-2016/">http://www.pymnts.com/news/mobile-payments/2016/apple-pay-adoption-usage-2016/</a></p> <p><strong>Fixing the hole in Ethereum</strong><br> <a href="http://www.coindesk.com/ether-prices-plunge-dao-soft-fork-warning/">http://www.coin-desk.com/ether-prices-plunge-dao-soft-fork-warning/</a></p> <p>We hoped you liked Episode 1 – Follow us and tell us what you think of the show <a href="https://twitter.com/FinTechInsiders">@FinTechInsiders</a></p> <p>The post <a href="http://elevenfs.wpengine.com.uk/podcasts/fintech-insider-101-brexit-special/">Ep101 – Brexit Special</a> appeared first on <a href="http://elevenfs.wpengine.com.uk">11FS</a>.</p> <p>The post <a href="https://11fs.com/podcasts/fintech-insider-101-brexit-special/">Ep101 – Brexit Special</a> appeared first on <a href="https://11fs.com">11:FS</a>.</p>
Jul 12, 2016