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Fintech Insider Podcast by 11:FS

Fintech Insider by 11:FS is a bi-weekly podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates, Sarah Kocianski and Ross Gallagher and joined weekly by a range of fantastic guests, they 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.Whether you're a fintech expert or you're just keen to know more, then this is the podcast for you!

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388. 2020 Predictions

In this Fintech Insider show Sarah Kocianski and Adam Davis are joined by some returning guests to look into their crystal balls and discuss their fintech predictions for the new year. Joining Adam and Sarah are: Melanie Palmer - Chief Marketing Officer at Nucoro Ed Maslaveckas - Chief Executive Officer at Bud Simon Vans-Colina - Co-founder at Fronted Will challenger banks become a present threat? Will open banking become the default? And will we see the widgetization of financial services? No one knows for certain, but there's all this and so much more on this week's episode of Fintech Insider! Love fintech? Then sign up for our newsletter, Fintech in Five. A snack-sized selection of the week's biggest stories, longer reads, soundbites and more. Just visit this link to sign up! 11fs.com/newsletter Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates, Leda Glyptis and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive in subject matters such as APIs, AI or digital banking. If you enjoyed don't forget to subscribe and please leave a review Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!Special Guests: Ed Maslaveckas, Mel Palmer, and Simon Vans-Colina.

57mins

3 Jan 2020

Rank #1

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Ep109 – The Secret to UK FinTech Success

This week we are unpacking some of the latest and greatest breaking news with Ed Maslaveckas (@Ed_Masl) and Jamie Campbell (@JCtheOriginal). We are also joined by the fantastic Lawrence Wintermeyer (@lwintermeyer) who is the CEO of Innovative Finance. Key stories this week: Independent – Apple tax: UK says it welcomes any company after tech-giant hit with £11bn Irish tax bill : LINK Fortune – Beware of Blockchain Hype Says Chain CEO Adam Ludwin : LINK Coin Desk – IBM Bridges Blockchain, AI With New Business Unit : LINK Australian Financial Review – ANZ Bank ups cloud focus with open networks for fintech collaboration : LINK Business Insider – Oscar – City CEO: ‘The whole banking model is a bit broken’ and at risk of an Uber moment : LINK Telegraph – Jeremy Corbyn has a plan to ‘democratise the internet’. But does he even understand it himself? LINK Monzo – Mondo is now Monzo : LINK 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 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 @FinTechInsider or @11FSTeam, or email on FinTechInsider@11fs.co.uk The post Ep109 – The Secret to UK FinTech Success appeared first on 11FS. The post Ep109 – The Secret to UK FinTech Success appeared first on 11:FS.

1hr 2mins

10 Sep 2016

Rank #2

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Bonus: Top 25 startups in the UK!

On this bonus episode, David Brear is joined by Megan Caywood, Head of Digital Strategy at Barclays, to talk about a recent list made by LinkedIn - the top 25 startups in the UK! They cover the following: What companies made it to the list? How many startup have been founded in the last year? What were the qualifications to make it to the list? Notable inclusions and exclusions If Megan were to create the same list - what would it look like? Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates, Leda Glyptis and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive in subject matters such as APIs, AI or digital banking. If you enjoyed don't forget to subscribe and please leave a review Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!Special Guest: Megan Caywood.

31mins

25 Sep 2019

Rank #3

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Ep. 276. Insights. Regtech: where innovation meets compliance

In this week's insights show we're bringing you a deep discussion on what's happening in the regtech space. We have some brilliant experts to take on these issues including: Jason Boud, CEO of Regtech associates Diana Paredes, CEO + Co-founder Suade Labs Nick Cook, Head of Regtech & Advanced Analytics FCA Nas Ahmed, General Counsel, 11:FS Our roundtable talks about what regtech is solving for, the costs of compliance and risk, what hurdles exist to the adoption of regtech by big financial institutions, technological problems that the big institutions face, how to overcome them and how involved regulators should be in setting the agenda. All this and so much more on today's episode of Fintech Insider! ​ Subscribe so you never miss an episode, leave a review on iTunes and every other podcast app. Spread the fintech love by sharing or tweeting this podcast. ​ Let us know your thoughts on Twitter @FintechInsiders ​ This week's episode was produced by Petrit Berisha. Edited by Alex Woodhouse.Special Guests: Diana Paredes, Jason Boud, Nas Ahmed, and Nick Cook.

53mins

7 Dec 2018

Rank #4

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369. News: Startups growing up

Our expert hosts, David Brear and Sarah Kocianski, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include: Diana Parades - CEO and founder, Suade Labs Daniel Hegarty - CEO and Founder, Habito Oliver Smith - Editor at AltFi We cover the following stories from the fintech and financial services space: Revolut to launch in the U.S. by year-end with Mastercard deal (03:26) Santander Rolls Out US Digital Deposits To Rival Goldman (10:24) PayPal is launching a Venmo credit card to help monetize the payment app (15:27) AmEx joins the corporate card for startups world (28:56) Fintech API builder Galileo to go global on $77 million capital injection (36:19) CYBG to relaunch as Virgin Money (47:30) Denizen shuts up shop (54:29) Women At EY Instructed On How To Dress and Act Nicely Around Men (1:00:20) Check out our brand new documentary 11:YEARS - the Rise of UK Fintech now. Head over to 11years.film to watch for free, and share using #11YEARS. Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates, Leda Glyptis and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive in subject matters such as APIs, AI or digital banking. If you enjoyed don't forget to subscribe and please leave a review Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!Special Guests: Daniel Hegarty, Diana Paredes, and Oliver Smith.Links:Fintech Revolut to launch in the U.S. by year-end with Mastercard deal - ReutersSantander Rolls Out US Digital Deposits | PYMNTS.comPayPal's Venmo is launching a credit cardAmEx Takes Aim at Brex With New Corporate Cards for Startups - BloombergFintech API builder Galileo to go global on $77 million capital inj...CYBG to relaunch as Virgin MoneyDenizen shuts up shopWomen At Ernst & Young Instructed On How To Dress, Act Nicely Around Men | HuffPost UK

1hr 16mins

28 Oct 2019

Rank #5

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Ep. 233. News: We no longer need traditional banks

Sarah and David sit down with Forbes and The Economist journalist, Monty Munford, and CEO of Onfido, Husayn Kassai. The panel discuss the latest news hitting the fintech space this week. Including: TSB could have up to $150m in debt after their IT systems meltdown back in April - the team discuss whether this amount is accurate (or indeed, even enough); Monzo's losses quadruple in 2017 - but is this in line with what our panel expected? They also take a look at the FCA's latest cohort for their 4th sandbox, their review into “unfair fees” and yet another massive data breach, from a data broker no one has heard of. We even have two "and finally" stories this week as we couldn't decide between them: Goldman Sachs is getting into EDM and rapper Big Sean raps about crypto on his latest album - has it finally gone mainstream?! All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode, leave a review on iTunes and every other podcast app. 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: Husayn Kassai and Monty Munford.Links:TSB bank will be at least £150million out of pocket over IT crash as union warns it "will never recover" from it - Mirror OnlineMonzo losses widen but the digital bank's user numbers surgeChallenger banks raise record capital in Q1 - AltFi NewsRegulatory sandbox - cohort 4 | FCASubscribe to read | Financial TimesExactis said to have exposed 340 million records, more than Equifax breach - CNETBanks to be subjected to ‘cyber stress tests’ to see if they can withstand a major hacking attackGoldman's Solomon just released first EDM remix of Fleetwood Mac song - Business InsiderAs Drake Drops Scorpion Album, Big Sean Raps About Crypto in 'Big Bank'invest.com and Bittrex Announce a New Digital Trading Platform

54mins

9 Jul 2018

Rank #6

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Ep110 – Will AI change the world of Banking?

This week we have a marathon of a show focussing on AI, Bots, Machine Learning and everything else augmented.  Your hosts, as always, is David Brear (@davidbrear), Jason Bates (@JasonBates), Simon Taylor (@sytaylor) and Chris Skinner (@Chris_Skinner) We have a fantastic lineup this week of guests with; Devika Thapar (@DeeThapar) – Financial Services Leader, IBM Watson, Dr. Ella Rabener (@ella_rabener) – CMO of Scalable Capital and Ereli Eran (@ereli) – Senior Data Scientist at Ravelin. We hope you enjoy the show Key stories this week: IB Times – Barclays completes the world’s first live, end to end trade finance transaction with a live customer on Blockchain : LINK QZ.com – Alphabet, Amazon, Facebook, IBM, and Microsoft are creating the Justice League for AI : LINK Technology Review – MIT report – AI Wants to Be Your Bro, Not Your Foe : LINK Polygon – Watch the first ever movie trailer made by artificial intelligence : LINK Venture Beat – Are chatbots an evolution or a revolution? : LINK Venture Beat – Apple pushes its AI expert hiring spree into overdrive : LINK The Drum – David Ogilvy’s first interview since he died? Possibly not but Watson and The Drum prove his ideas are still alive : LINK Venture Beat – A Microsoft chatbot is insulting people again, and that’s a good thing : LINK 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 @FinTechInsider or @11FSTeam, or email on FinTechInsider@11fs.co.uk The post Ep110 – Will AI change the world of Banking? appeared first on 11FS. The post Ep110 – Will AI change the world of Banking? appeared first on 11:FS.

1hr 53mins

20 Sep 2016

Rank #7

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Ep250 – If You Liked It, Then You Should’ve Put A Blockchain On It

In this episode 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. Guests Elizabeth Lumley FinTech commentator & Author of girl-disrupted.com Ajit Tripathi, Director, Fintech and Digital Banking at PwC Dave Tonge,  CTO at Moneyhub James Lloyd, Asia-Pacific Fintech Leader at EY Julian Sawyer, COO at Starling Bank Our community contribution was from Nina Mohanty this week (@ninamohanty) News this week Banking Technology – FinTech companies blast banks over PSD2 direct access angst – Link The Telegraph – Upstart Challenger Banks eye consolidation – Link Banking Technology – Deutsche Bank leads charge for pan-industry e-identity platform – Link Bloomberg – Apple Can Thank Alipay for Shopping – Link Global Times – WeChat expands in US, EU – Link MacRumours – Visa and Payments Startup ‘Current’ Launch Debit Card for Kids That Ties to Parental Control App – Link Banking Innovation – Barclays Gives Users Total Control Over Debit in Effort to Stop Card Fraud – Link FT – Aviva chief executive hits out at personal insurance market – Link Recode – Square is rolling out its first debit card – Link Finextra – Starling opens payment services unit – Link Reuters – Top French bank chief attacks no-frills rivals for freeloading – Link The post Ep250 – If You Liked It, Then You Should’ve Put A Blockchain On It appeared first on 11:FS.Special Guest: Liz Lumley.

1hr 12mins

15 May 2017

Rank #8

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Ep. 207. News: Instant Gratification

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 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.comSpecial Guests: Alex Park, Lucy Woolfenden, and Pol Navarro.Links:Metro Bank to introduce AI-powered money management toolBBVA invests $50m in Chinese AI-focused fundExplainer: Ant Financial's $150 billion valuation, and the big recent bump-upLloyds Banking Group to cut 305 jobs and close 49 branches across the UK as customers switch to digital bankingLloyds Bank | Banking with us | Mobile BranchesAn investor in iZettle and Wonga just raised $235 million to fund the next fintech unicornsRevolut launches spare change VaultsDemand for cash is increasing, not decreasing, in most countriesTransferWise has become the first non-bank to connect to the Bank of England's payment systemsThe One Where Ross Got Mistaken for a Banker - BBC NewsCrypto YouTuber hacked out of $2 million during a livestreamIceland's Bitcoin heist suspect 'flees on PM's plane'

56mins

23 Apr 2018

Rank #9

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Ep. 190. News: Imagine if the Kardashians could code

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.Links:Investment banks face fury over gender pay gapBarclays's gender pay gap sees women earning 43.5 per cent less than menFinTech Parity Pledge – Making FinTech better, one step at a timeRoyal Bank of Scotland reveals 37% gender pay gapFinancial services among worst for UK gender pay gap Lloyds Bank has published its gender pay gap with women earning 33 per cent less than men | City A.M.Survey Reveals Women Put Off Tech by Age 15Brits are souring on app-only startup banksMonzo launches their marketplace in betaAtom bank raises £149m in latest fundraising roundAfter Losing China, Jeff Bezos Really Wants to Win in IndiaCatholic nuns push Wells Fargo to identify ‘root causes’ of scandalsLender Kabbage responds to Parkland shooting with donations, a walkout & ending business with manufacturers & suppliers of firearmsOMG Xinja has glow in the dark cardsNew GDPR Spotify playlist is music to data protection officers’ ears

56mins

12 Mar 2018

Rank #10

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Ep. 201 Insights Live: Breaking into Fintech

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.

39mins

11 Apr 2018

Rank #11

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Ep243 – Ethical Hacking with Jamie Woodruff and Sergey Pavlovich

In this episode 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. 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. Guests Jamie Woodruff, Technical Director at Metrix Cloud LTD Sergey Pavlovich, Author of How To Steal A Million Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep243 – Ethical Hacking with Jamie Woodruff and Sergey Pavlovich appeared first on 11:FS.

31mins

26 Apr 2017

Rank #12

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Ep. 136. Hacks, hacks and more hacks

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 podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook.Special Guests: Andra Sonea and Valentina Kristensen.Links:Monzo tests in-app energy provider switching featureChallenger bank Starling aims to fly with £40m fundraising - Sky NewsW3C Payment Request API is Being Implemented in All Major Browsers | ProgrammableWebAlipay strikes more overseas partnerships - Business InsiderAussie banks scrap ATM feesDeloitte hit by cyber-attack revealing clients’ secret emails | Business | The GuardianCBS's Showtime caught mining crypto-coins in viewers' web browsers • The RegisterEquifax Boss leaves after data breach'Payment by vein' trialled in supermarketBoffins take biometric logins to heartA family of raccoons has shut down a Toronto bank

1hr 1min

2 Oct 2017

Rank #13

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Ep134 – FinTech Predictions for 2017

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. We’re  joined by: David Birch, Director of Innovation, Consult Hyperion @dgwbirch Ben Brabyn, Chief Executive, Investor, Advisor, Level39 @BenBrabyn Thanks for listening! If you like what you heard, subscribe to our podcast, review us on iTunes–we love reading those reviews!!–and befriend us on Facebook and/or Twitter. The post Ep134 – FinTech Predictions for 2017 appeared first on 11FS. The post Ep134 – FinTech Predictions for 2017 appeared first on 11:FS.

13mins

30 Dec 2016

Rank #14

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Ep. 267. Interview – Nathan Bostock, CEO Santander UK

In this episode Simon interviews Nathan Bostock, CEO of Santander UK. 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. 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. 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. Want to know more? Visit http://www.santander.co.uk/uk/index or https://uk.kabbage.com/ Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep. 267. Interview – Nathan Bostock, CEO Santander UK appeared first on 11:FS.

17mins

23 Jun 2017

Rank #15

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319. News: I'm sorry, banks

This week we have some great stories for you as David and Simon are joined by a couple of great guests: Samantha Bedford, Head of Innovation and New Ways of Working, CYBG Freddie Villis, Google Account Manager: Finance at Snowdrop Solutions Oscar Williams-Grut, Senior Correspondent at Yahoo Finance We kick off the episode by taking a look at Central banks becoming the world's newest climate change activists. An open letter in support of climate change came from the Network for Greening the Financial System (the NGFS). Simon comments that customers are making eco-friendly choices all the time as shown by the growing presence of challenger banks (03:17). You can read up on Simon's views around eco-friendly finance here. Next up, we talk about Open Banking one year on. According to the OBIE, in addition to helping individuals with their finances, Open Banking is using technology to combat societal issues such as access to mortgages and debt advice, with benefits for the UK SME community also being perceived. Oscar remarks that Open Banking will only be a success when we're no longer talking about it (15:16). We also have an interview with Chris Woolard, Director of strategy and competition on GFIN's first eight firms for its sandbox (25:55). Other stories include: GFIN’s first 8 firms Snoop Dogg-backed 'try before you buy' payment firm sees sales jump Women are less aware and trusting of challenger banks Mastercard and Visa to slash inter-regional fees for tourist cards in EU And finally, Man dissolves credit card to make contactless ring All this and so much more on today's show. Don't forget to subscribe so you never miss an episode, leave a review on iTunes and let us know your thoughts on the stories @FintechInsiders on Twitter where you can also ask the hosts questions, or email podcasts@11fs.com This week's episode was produced by Laura Watkins and edited by Alex Woodhouse.Special Guests: Chris Woolard, Freddie Villis, Oscar Williams-Grut, and Samantha Bedford.Links:Central Banks Are the World's Newest Climate Change Activists | FortuneHas Open Banking changed anything 15 months on?Global sandbox accepts first eight firmsSnoop Dogg-backed Klarna's revenues and sales rocketExclusive: Digital banks have won over half of Brits, but women are being left behind - AltFi NewsMastercard and Visa to slash inter-regional fees for tourist cards...Man dissolves credit card to make contactless ring

1hr 4mins

6 May 2019

Rank #16

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Ep. 186. News: Fist bumps over the Atlantic

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 and Megan Caywood.Links:Starling Bank announces partnerships with mortgage broker, investment and pensions firms and insurer in open banking pushStarling launch payment requests from non-users aka monzo.meMonzo opens API to spare change app MoneyboxRevolut’s Nikolay Storonsky on long hours and high staff turnoverFCA and CFTC sign fintech pactAmazon has partnered with Bank of America for its lending programWealthsimple raises over $65 million in latest funding roundHow Conservatives can use the blockchain for activismActor Steven Seagal Endorses Questionable 'Bitcoiin' ICOHomeless Robin increased his sales thanks to contactless card reader

54mins

26 Feb 2018

Rank #17

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Ep. 142. Insights: PSD2 Round Table

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 podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook.Special Guests: Anita Kimber, Gavin Littlejohn, Matt Cox, and Mike Kelly.

1hr 8mins

18 Oct 2017

Rank #18

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Insurtech Insider - Ep. 4: InsureTech Connect, Las Vegas

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 podcasts@11fs.com 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.

1hr 23mins

20 Oct 2017

Rank #19

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Ep114 – Yipi-API-yay: open platforms, marketplaces and next-gen banking

In this episode This week we had the pleasure of talking to some global thought leaders about a topic that is on everyone’s mind; APIs. This week we are joined by Leda Glyptis (@LedaGlyptis) – Director, Sapient Global Markets, Megan Caywood (@MeganCaywood) – Director of Marketplace Platform at Starling Bank, Markos Zachariadis (@MarkosZach) – Assistant Professor at Warwick Business School & Research Fellow at the University of Cambridge and Alex Lipton – Connection Science Fellow at MIT Connection Science News this week FT – Big banks miss out on FinTech investment opportunities : LINK Banking Tech – MasterCard and SolarisBank partner for digital banking push : LINK Finextra – UK banks lag behind rest of high street on customer experience – BookingBug : LINK Telegraph – Bank of England’s Mark Carney and Philip Hammond in bank ‘war game’ : LINK BBC – RBS squeezed struggling businesses to boost profits, leak reveals  : LINK Express – Which banks are getting most complaints from YOU? : LINK Forbes – Why The Teacher Of The Future Will Be Neither Man Nor Machine : LINK 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 @FinTechInsider or @11FSTeam, or email on FinTechInsider@11fs.co.uk The post Ep114 – Yipi-API-yay: open platforms, marketplaces and next-gen banking. appeared first on 11FS. The post Ep114 – Yipi-API-yay: open platforms, marketplaces and next-gen banking appeared first on 11:FS.

9mins

19 Oct 2016

Rank #20