Fintech Insider Podcast by 11:FS

This week Sam got the opportunity to sit down with Matt Burton, Partner at QED and the former CEO of Orchard! To kick off the episode, Matt tells us how he started out in the advertisement technologies space, how he now has three exits behind him and how he became Partner at QED Investors. Sam and Matt further discuss acquisitions, and how unfortunately most of them fail. How important is company culture, and how do you ensure a successful acquisition? Matt tells us his views on this matter! Not to be forgotten, Matt Burton is a three-time Texas State champion in tennis! Three times! Matt also explains how playing tennis can teach you how to be successful in the startup business (or atleast how the mindset is very similar!) Sam and Matt further talk about how having a lot of experience can actually work against you in some sectors! 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 [email protected] This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guest: Matt Burton. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week we have some really interesting stories for you as David and Simon are joined by a couple of great guests: Gary Turner, a friend of the show and Co-founder and MD of Xero Helene Panzarino, MD of Rainmaking Colab Norris Koppel, CEO of Monese We kick off the episode by talking about the third major acquisition this year: Global Payments buys TSYS for 21.5 billion dollars! The combined company will be lead by a 12 member board and go by the name Global Payments. Gary points out that with a name like Global Payments, the strategy is kind of hiding in plain sight and looking at the current state of the industry, there are quite a lot of things happening, particularly within payments. Also, try and say multi monolithic architecture after a glass of wine or two. Next up, we talk about Revolut. Are they the most-complained-about small online bank? The bank, which has 2 million customers had 171 claims made against them between 2015 and 2018, compared to only 82 claims made against Monzo. Despite receiving more complaints compared to Monzo and similar online banks, the number is still far less than Barclays and Lloyds who both had more than 100 000 complaints made against them during the same time period! Simon argues the title is slightly misleading... and David agrees! It is making a lot of very little. It is also worth pointing out that Revolut has more features and products then Monzo, so is it really fair to compare them both? Other stories include: NatWest is the “most complained about” Plaid comes to the UK A Goldman Sachs rival pulled out of the Apple Card deal on fears it will be a money loser Robinhood on track for at least $7 billion valuation with upcoming funding round French teen banking startup Pixpay raises EUR3.1m CBA invests heavily in tech-for-trust image rebuild NatWest apologises for patronising women, by patronising women 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 [email protected] This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Gary Turner, Helene Panzarino , and Norris Koppel. Links: Global Payments to buy TSYS for $21.5 billion in latest fintech deal - Reuters Revolut is the most complained-about small online bank, the Financial Ombudsman Service reveals | This is Money NatWest most complained about bank for fraud claims - BBC News Silicon Valley fintech Plaid is launching in the UK — Quartz Goldman rival pulled out of Apple Card on fears it was money loser Robinhood on track for $7 billion valuation with new funding round French teen banking startup Pixpay raises EUR3.1m CBA invests heavily in tech-for-trust image rebuild NatWest apologises for patronising women, by patronising women | Creative Bloq Learn more about your ad choices. Visit megaphone.fm/adchoices

We are coming to you live from FusionONE! Today we have a brilliant live show for you with our hosts Simon and Sarah, and they are of course joined by some brilliant guests! Eli Rosner, Chief Product and Technology Officer, Finastra Eric Boyd, Corporate Vice President, Azure AI, Microsoft Andrew Smith, CTO ClearBank Today we take a deep dive in the new era of finance and how open platforms, emerging technologies and the rise of development talent will influense the industry. First up, our panel talks about how developers are the future of fintech. Eric Boyd marks that a lot of companies are trying to figure out how to work with these emerging technologies, but some older companies are struggling to apply these new technologies to their already existing business models. Where are we in the adaption circle of new technologies? Do we need to get some culture change in the industry? Also, as an incumbent, how do you attract talent in a quickly emerging industry? Next up, the panel talks about Open Source and Open APIs. Is being open and sharing technologies the way forward? Eli argues that the way to success is through growth, retention and better service to the customers. Also, what is actually the value of having a platform? Last but not least, we discuss what the future of the industry looks like. Are the US and Europe going to catch up with the emerging technologies in China? Eric thinks that AI technology will aid industry leaders in finding better usage for the data that they already have, but will the future involve more laws around data? Andrew sees AI as a "prediction machine" and that better AI users will be better at predicting outcomes. Unfortunately, Eli's crystal ball ran out of battery this morning, but he argues that the big banks have to rethink how they are going to compete with smaller challenger banks in this new era. 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 [email protected] This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Andrew Smith, Eli Rosner, and Eric Boyd. Sponsored By: Finastra Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back to the third episode of this brand new show, Fintech Insider USA! In this episode, we are extremely excited to bring you a brilliant interview with Michael Schlein, CEO and president at Accion! Sam and Michael sit down to talk about the importance of financial inclusion and what Accion is doing to achieve that goal globally. Accion is a global non profit organisation dedicated to create a truly financially inclusive world. What needs to be done to achieve this goal and what tools are used to reach the over 3 billion people who would otherwise be excluded from the financial system? Next up, Sam and Michael talk about what the satellite and GPS industry can do for insurtech solutions such as bike insurance and single family farmers and explains why India is extremely exciting right now! Michael tells us his thoughts on what is the biggest global hold up is at the moment and what areas need improvement. Also, can you say that financial inclusion is only 1% finished? 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 [email protected] This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guest: Michael Schlein. Learn more about your ad choices. Visit megaphone.fm/adchoices

Hello from New York! This week, David and parts of his team are over in New York, and what an opportunity to have Sam Maule co-host this episode! This week we have some great stories for you, and of course some brilliant guests: Anna Irrera: Fintech Correspondent and Financial Companies Team Leader at Reuters Ian Kar: Product Consultant We kick off the episode by taking a look at JPMorgan Chase & Co will invest $125 million in programs to encourage people to save money! The goal in this is to aid the expansion of nonprofits that help people become more financially secure. The panel discusses if this should be the banks' perogative, not to enable third parties to do it on their behalf? Other stories include: Plaid (kinda) takes on Zelle Transferwise hits $3.5bn Venmo trials a rewards programme again Venture Funding In Brazil Soars To $1.3B In 2018 Morehouse College Graduates’ Student Loans to Be Paid Off by Billionaire New startup Earnin taking on Payday loans: A Biometric Backlash Is Underway — And A Backlash To The Backlash Monzo rockets to 2 million customers 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 [email protected] This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Anna Irrera and Ian Kar. Links: JPMorgan Chase will invest $125 million in programs to encourage people to save money - Reuters Plaid gives digital banks and fintech a new tool to bypass traditional finance TransferWise now valued at $3.5B following a new $292M secondary round | TechCrunch Tencent posted record quarterly profits thanks to a fintech surge - Business Insider Venture Funding In Brazil Soars To $1.3B In 2018 Morehouse College Graduates’ Student Loans to Be Paid Off by Billionaire - The New York Times The fintech app Earnin claims to be a no-fee alternative to payday loans - Vox A Backlash To The Biometric Backlash Underway | PYMNTS.com Monzo hits two million customer milestone Learn more about your ad choices. Visit megaphone.fm/adchoices

The world of wealth is changing and so is our mindset around money. We have new ways of saving money, and we are bombarded with new apps and services every day. We live longer but our lifestyles are changing. Still, we retire at the same age as previous generations which means our pensions have to last for a lot longer. Women and men are forced into the same pension buckets, but women often take time off their careers for parental reasons. Money and mental health are closely linked and we need to think about what money is doing to our mental health and how we can learn to cope with it. This year at WealthTech19, Simon takes the opportunity to speak to some truly inspirational industry experts on topics like generational shifts, relationship with money, investing, mental health and saving for retirement and what can be done for the future. Joe Parkin - Head of UK Sales at iShares and Aladdin Wealth Tech distribution, BlackRock Gonzalo Pradas, Head of Wealth at OpenBank Mark Adams - Vice Media Frank Cooper III - Global CMO BlackRock Noah Kerner - CEO and founder, Acorns Armit Bhambra - Head of UK Retirement for iShares EMEA First up, Simon speaks to Joe Parkin who tells us what the WealthTech 2019 event is all about, and why it is focussing on wealth and wellbeing. Joe also tells us how the last couple of years have changed the way people talk about mental health. Next up, Simon sits down with Frank Cooper III to discuss what wealth and wellbeing mean in the context of brand and marketing for a financial services company. Also, what is the truth of how people live their lives? We also have an exclusive interview with Noah Kerner, CEO and founder of Acorns talking about getting young people into investing and caring about their savings. 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 [email protected] This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Armit Bhambra, Frank Cooper III, Gonzalo Pradas, Joe Parkin, Mark Adams, and Noah Kerner. Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back to the second episode of this brand new show, Fintech Insider USA! In this episode, we are extremely excited to bring you a fantastic interview with Head of Partnerships at Plaid, Lowell Putnam! Sam sits down with Lowell Putnam, Head of Partnerships at Plaid at a very exciting time for the company! Lowell Putnam was previously the CEO and Founder of Quovo which have now been acquired by Plaid. In this interview, Sam and Lowell talk about a recent couple of busy months for the company, writing your own playbook and how being honest about imperfection can actually save your business! Lowell gives us his 30 seconds pitch of what Plaid does, and the duo discusses whether or not open banking will actually hit in America. Furthermore, Lowell explains why you should always make sure that the elevator car has arrived before stepping into it and why you sometimes have to throw out your own ego in order to save yourself time and money. We get to hear about Lowell's vision for the future of Plaid, and what disrupting a legacy really feels like. 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 [email protected] This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guest: Lowell Putnam. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week we have some great stories for you as Sarah and co-host Adam are joined by a couple of great guests : Karen Kerrigan - COO of Seedrs Romi Savova - CEO and founder of PensionBee Iona Bain - blogger at Young Money as well as industry commentator, author and speaker We kick off the episode by taking a look at the remedies for small businesses story. Nationwide Building Society, Investec Bank and The Co-operative Bank have been granted a total of 80 million pounds from the RBS Remedies Fund Pool B. The allocations are as follows: 50 million pounds to Nationwide, 15 million to Investec bank and 15 million for Co-operative bank. The panel discusses the three banks commitments for the money and if there is any significance in the fact that the money was largely given to incumbents? Why wasn't Monzo on the list? Maybe the government thinks that they already have everything sorted out? Next up, we talk about Metro's big short! The bank faced a shareholder revolt when ISS recommended investors to reject Metro's pay report. Since the news, some branches had to face a "run" when rumours spread over WhatsApp that the bank was going to take control over its customer's assets and customers tried to take their cash out in pure panic. The panel discusses the damage social media rumours can have on a company and how the recent events could affect the reputation of the bank? To quote Sarah: Oh dear! A Lady Godiva, a Commodore, Dosh, Dore or Lolly? What do you call your money? Do not miss the final news story of the episode with some hilarious slangs for money and the panel unveiling the country's number one term! Other stories include: HK banking licence wins Brits don’t back banking tech UK fintech investment keeps on growing Silicon Valley’s newest stock exchange 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 [email protected] This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Adam Davis, Iona Bain, Karen Kerrigan, and Romi Savova. Links: Nationwide, Investec, Co-Op Bank get cash for small business lending - Reuters Metro Bank faces shareholder revolt Tencent, Alibaba, Xiaomi units win Hong Kong online banking license - Reuters Brits wary of new banking tech, despite high demand SoftBank Vision fund invests $800m in UK fintech SEC approves Silicon Valley stock exchange backed by Marc Andreessen Decoding the dough - do you know your Lady Godiva from your lolly? Learn more about your ad choices. Visit megaphone.fm/adchoices

David and Jeff take a close look at mortgages, a painful process Jeff recently went through. Research shows that people who have gone through the process felt stressed, lost sleep, half of the couples rowed over the process and 1 in 10 couples stopped having sex! Furthermore, 1 in 10 sought GP help due to effects on mental health. What is broken here? The duo is joined by a panel of fantastic guests to tell us more about the mortgages market, why some of these challenges exist and what changes are coming: Maria Harris - Director of Intermediary Lending, Atom Toril Steinmo - Head of Loans, DNB Dan Hegarty - CEO, Habito Vadim Toader - CEO, Proportunity The panel discusses how applying for mortgages is one of the most stressful processes in our lives, as humans have integral anxiety about shelter for themselves and their family. The panel argues that the product is not built around the consumer's needs, but rather quite simple data made incredibly opaque. Vadim Toader explains the process like planning a wedding, you don't have any prior knowledge about the process, and hopefully, when you have done it once you don't have to think about it ever again. Thoril Steinmo explains how the process is very different in Norway, and the panel asks, what is inhibiting the UK to have the same process as they do in Norway? Is there an urgent need for a clearer and more transparent language that customer actually understands? 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 [email protected] This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Daniel Hegarty, Jeff Tijssen, Maria Harris, Toril Steinmo, and Vadim Toader. Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to this brand new show brought to you by 11:FS, Fintech Insider USA! In this week's episode, Sam Maule is at Empire Startups’ New York Fintech Week Conference where he was invited to mingle with some of the brightest and the best from the New York fintech scene and was able to record some interviews with some of the top speakers of the conference! We hope that you will enjoy these interviews, just as much as we have enjoyed recording them! Our fantastic guests for today's episode are: Alexa von Tobel, Founder and Managing Partner at Inspired Capital Henrique Dubugras, CEO and founder of Brex Rhian Horgan, CEO and Founder of Kindur Mariquit Corcoran, MD at Barclays US We kick off the episode by speaking to Alexa von Tobel about her entrepreneurial spirit, her new book Financially Forward and how having control over your wallet can help you take control over your life. Alexa also explains why being an entrepreneur is like being punched in the face every day (02.01). Alexa's book Financially Forward is out and available on this link: https://www.amazon.com/Financially-Forward-Todays-Digital-Smarter-ebook/dp/B07GMSWGCG Next up, we talk to Henrique Dubugras, CEO and founder of Brex who tells the story of how he built an online game at 12 years old, how starting a credit card company is actually quite complicated and how sometimes you just have to walk away (16.35). Our next guest is Rhian Horgan, CEO and Founder of Kindur. Rhian talks about how the company are trying to help baby boomers with their retirement planning, an urgent matter as up to 10.000 baby boomers retire every day! Our last guest is Marquit Corcoran, MD at Barclays US. Sam and Marquit talk about the differences in the market between the US and the UK, how Barclays are hoping to be a household name in the US and the art of good communicational skills. All this and so much more on today's show! Don't forget to subscribe so you never miss an episode of this brand new series, 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 [email protected]. Stay tuned for next episode of Fintech Insider US! This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Alexa von Tobel, Henrique Dubugras, Mariquit Corcoran , and Rhian Horgan. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week we have some excellent stories for you as David and Simon are joined by a few fantastic guests: Rebecca Duckworth, Chief Sales Officer at Quotevine Limited Louis Sutton, Co-Founder & Director at The Grapevine and host of I, Fintech Valentina Kristensen, Director of Growth and Comms at OakNorth Ryan Edwards-Pritchard, Managing Director at Funding Options We kick off the episode with Valentina making a big announcement regarding OakNorth entering the mortgage market. As mortgage processes can be considered overlooked and underserved, the discussion goes to whether or not this product could drive incumbents to change existing mortgage processes. OakNorth are hoping that by offering a bespoke customer-centric product, it will become a major player in the sector (03:16). Next up, we talk about Lloyds’ disappointing Q1 results and the fierce competition in the mortgage market. The panel ask where growth is going to come from and how the market is going to change with new challenger banks coming up. Being the "least worst" of the big banks is no longer what is at stake, with new challenger banks delivering new efficient processes (14:36). Also, our recurring guest Ryan Edwards-Pritchard at Funding Options has a big announcement to make! More information about the announcement can be found here: https://www.altfi.com/article/5335_funding-options-and-experian-bid-for-slice-of-rbs-775m-bank-competition-fund Other stories include: RBS Getting Back Into Payments Ten Years After It Unloaded Worldpay Singapore may allow virtual banking licences after Hong Kong ATMs are vanishing SF bans cashless shops The Art of Losing $1BN 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 [email protected] This week's episode was produced by Laura Watkins, written by Dhanum Nursigadoo and edited by Alex Woodhouse. Special Guests: Louis Sutton, Rebecca Duckworth, Ryan Edwards-Pritchard, and Valentina Kristensen. Links: OakNorth enters retail mortgage market Lloyds Banking Group: Q1 results analysis | City A.M. RBS Gets Back Payments Ten Years After Worldpay | PYMNTS.com Singapore May Allow Virtual Banks After Hong Kong, DBS Says Free cash machines vanishing at alarming rate, says Which? - BBC News San Francisco To Bar Cashless-Only Stores | PYMNTS.com Decade in the Red: Trump Tax Figures Show Over $1 Billion in Business Losses - The New York Times Learn more about your ad choices. Visit megaphone.fm/adchoices

Anthony Thomson is Founder of 86 400, Atom Bank and Metro Bank. Simon talks to Anthony about the Australian market and how he can apply the lessons he's learned from setting up UK challenger banks to Australia's financial sector, the differences between customer needs in the two countries and how to design a proposition for a brand new market. The pair also discuss the atmosphere Australia's regulatory environment creates for challengers and how new market entrants can operate in an area where incumbents have such entrenched power. They also take a look at Anthony's previous challenger banks and what they've accomplished so far. 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 [email protected] This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guest: Anthony Thomson. Learn more about your ad choices. Visit megaphone.fm/adchoices

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 [email protected] 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 | Fortune Has Open Banking changed anything 15 months on? Global sandbox accepts first eight firms Snoop Dogg-backed Klarna's revenues and sales rocket Exclusive: Digital banks have won over half of Brits, but women are being left behind - AltFi News Mastercard and Visa to slash inter-regional fees for tourist cards... Man dissolves credit card to make contactless ring Learn more about your ad choices. Visit megaphone.fm/adchoices

This week we have some great stories for you as David and Simon are joined by a few great guests: Hiroki Takeuchi, CEO of GoCardless Solange Dive-Chamberlain, Head of Commercial Banking Strategy at LBG Chris Maddern, Co-founder & CPO at Button, formerly of Venmo Niall Cameron, Global Head of Corporate and Institutional Digital at HSBC We kick off the episode by taking a look at Station F, could it be France’s F-You to London’s fintech hub? Opened in June 2017, Station F is the world’s largest startup incubator. Station F acts as a statement of ambition. France wants to become the number one country for tech in Europe. Hiroki notes that Paris is five years behind London in terms of fintech environment and David's not a huge fan of the name...(02:50) We speak to Oscar Williams-Grut, who wrote the story, for a bit more insight (03:34). Next up, we talk about the evolution of the US prepaid card ecosystem. There were 10.7 billion prepaid card transactions worth $290 billion in 2016, according to The Federal Reserve. Business Insider Intelligence expects that to grow to $396 billion by 2022. Solange notes that prepaid cards impact on the way people interact with money and each other - driving customer behaviour (13:15). Other stories include: N26’s Viennese whirl Turning the Tide on business registrations Stripe’s new SCA acquisition Robinhood shoots for a banking charter T-Mobile’s Take 2 on digital banking And finally, The Germans hoard more gold than the Bundesbank 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 [email protected] This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Chris Maddern, Hiroki Takeuchi, Niall Cameron, and Solange Dive-Chamberlain. Links: Britain should be worried about France's tech ambitions THE PREPAID CARD REPORT: What issuers can do to win market share in a period of unprecedented regulation and competition - Business Insider N26 to open security-focused tech centre in Vienna Exclusive: Tide to launch company formation in UK banking first - AltFi News Stripe buys Touchtech ahead of new EU online authentication rules Robinhood applies for national bank charter in bid to form new challenger bank T-Mobile takes on US banks with checking account Barren, Münzen, Schmuck: Die Deutschen horten mehr Gold als die Bundesbank - WELT Learn more about your ad choices. Visit megaphone.fm/adchoices

Ross and Adam are taking a close look at financial literacy, how fintech is encouraging better money management from a young age and how pocket money apps are pushing forwards innovation. They're joined by a couple of experts in the space: Louise Hill, COO of GoHenry Will Carmichael, CEO of Rooster Money The panel talks about the effects of activating customers early on in life, something banks have done really well with student accounts. They take a look at whether there's a responsibility to create educational tools within finance apps aimed at children, if psychological ‘nudges’ early enough in life can make someone far more financially literate as they grow older and what pressure, if any, there is from the regulator to increase financial literacy. They also discuss the complexity of building a digital proposition for such a varied target market and whether the target audience is children or if it's really for the parents. 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 [email protected] This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Adam Davis, Louise Hill, and Will Carmichael. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week we have some great stories for you as Sarah and Simon are joined by a couple of great guests: Freddy Kelly, CEO and co-founder at Credit Kudos Ben Gleisner, CEO and Co-founder at CoGo Simon Vans-Colina, Engineer at Monzo We kick off the episode by taking a look at US lenders preparing for a recession. U.S. online lenders such as LendingClub Corp, Kabbage Inc and Avant LLC are scrutinizing loan quality, securing long-term financing and cutting costs, as executives prepare for what they fear could be the sector’s first economic downturn. We hear from our Americas MD, Sam Maule for a US perspective (:). Next up, we talk about RBS challenging the challengers with Bo. Despite buying NatWest almost 20 years ago RBS still uses different IT systems at the two banks. Bó, their new digital-only consumer bank in contrast, has been built in a little over a year on a completely new cloud-based system. It will launch to the public later this year. Sarah and Simon VC remark that if Bo are happy to be a companion bank account, the data can't be fully representatives of their customers' finances. Simon T thinks that profitability is at least a five year journey - is the importance of profit early on misguided? (:). Other stories include: N26 in trouble with German regulators over hypergrowth 86400 sign a partnership to offer home loans Halifax rebrand gets slammed for copying Monzo and Starling Ant Financial take on the Chinese healthcare market Derek White waves goodbye to BBVA Facebook calls time on P2P payments And finally, Joe Lycett Impersonates RBS Boss to Get £8,000 Back to Scammed Customer 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 [email protected] This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Ben Gleisner, Freddy Kelly, and Simon Vans-Colina. Links: Worried a recession is coming, U.S. online lenders reduce risk - Reuters RBS steps on to the digital challengers’ turf - Optimal Money After Revolut, German startup bank N26 faces questions from regulators Aussie challenger 86 400 scores home loan distribution deal Halifax rebrand slammed for copying Monzo and Starling Millions Rush to Join a Wild New Health Plan From Jack Ma's Ant - Bloomberg US Bank names BBVA's Derek White chief digital officer Facebook shuts down Messenger P2P payments in the UK and France YouTube Learn more about your ad choices. Visit megaphone.fm/adchoices

This week we take a look at something set to change payments for everybody as we talk about Strong Customer Authentication (SCA) Sarah is joined by some great guests to discuss the subject: Nilixa Devlukia, Head of Regulatory at Open Banking Olivier Godement, Product Manager at Stripe Daniel Chatfield, Engineer at Monzo Fred Liu, VP Identity and Risk Products at Visa We kick off the episode by taking a look at what's driving the introduction of SCA and the theoretical benefits around it. The group explains what SCA is, who's responsible for its implementation and whether any existing SCA can work when SMS-based 2FA has been breached in the past. There's a discussion around whether SCA actually allows or encourages innovation or if it's going to grind innovation to a halt. SCA has had a very fragmented introduction so the outlook isn't particularly clear and the panel discuss what the possible outcomes could be, including whether or not PIN Sentry tools may make a return. They also examine how the payments and fintech ecosystem is preparing for SCA. There's little certainty around what SCA will actually look like and the panel discusses what solutions the people around the table are working on. 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 [email protected] This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Daniel Chatfield, Fred Liu, Nilixa Devlukia, and Olivier Godement. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week we have some great stories for you as Jason and Adam are joined by a few great guests: Anthony Craufurd, Director, Venture and Startup Engagement at Visa Europe Chris Low, Senior Advisor at Motive Labs Emily Nicolle, Technology Editor at City AM We kick off the episode by taking a look at Standard Chartered expected to pay just over $1 billion to resolve U.S., U.K. probes. Standard Chartered Plc has agreed to pay $1.1 billion to U.S. and British authorities for conducting illegal financial transactions that violated sanctions against Iran and other countries. Chris comments on the importance of it being based on historic violations and Jason wonders if it's only the people who aren't good at avoiding AML that get caught (02:13). Next up, we talk about London being set to lead the unicorn race. Of the 29 global unicorns, 9 are in San Francisco, 7 are in London and 38% of VC funding went to London with reports suggesting that London will overtake the US tech hub in funding this year, bringing the total number of unicorns up to match or overtake San Francisco. Emily Nicolle remarks that London is the global fintech hub and always has been and Anthony Craufurd adds that the FCA is a dark horse that everybody in the world is copying (08:16). Other stories include: CMA chides big banks for Open Banking delays N26's competitive edge in Africa Visa branches out And finally, how your cat could be the next voice of the world's first 'miaowing' debit card. 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 [email protected] This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Adam Davis, Anthony Craufurd, Chris Low, and Emily Nicolle. Links: Exclusive: Standard Chartered expected to pay just over $1 billion to resolve U.S., U.K. probes - Reuters London startups to take fintech unicorn crown from San Francisco | City A.M. Monzo seeks to raise £100 million in new funding As fintech valuations soar, Tandem eyes fresh £80m+ funding round - AltFi News SoftBank-backed Grab seeks another $2 billion funding in expansion drive - Reuters CMA chides big banks for Open Banking delays Challenger bank N26 hopes cashback offering will give its US launch a competitive edge - The Block FinTech Branch Raises $170M, Partners With Visa | PYMNTS.com This is how your cat could be the next voice of the world’s first 'miaowing' debit card Learn more about your ad choices. Visit megaphone.fm/adchoices

Live from NYC's New York Fintech Week with the DIT Sam's joined by some great guests to talk about the future of money: Natalie Ceeney, Chair, Innovate Finance Robin Mackenzie, Chief Marketing Officer, De La Rue Andrew Boyajian, Head of North America, Transferwise Farrah Lakhani, Director, Growth and Operations at OakNorth Analytical Intelligence We kick off the episode by taking a look at the story so far and how the UK fintechs have developed world leading challenger brands offering new customer products and services that are focused on the customer. Next up, the panel talk about how customer centricity drives innovation, how that factors in to the notion of digitalisation over digitisation and whether customer focus is something that's gathered appeal on a global scale. They also take a look at the appetite for fintech in the US and what makes breaking America so much more difficult than the European market. And whether there's an unfair advantage built in for UK fintechs. Payments are a major factor in the US financial ecosystem and the panel examines how cross border payments are having an effect on incumbent money transfer services and how faster payments could be brought to the USA. Wrapping things up the group takes a look at future predictions on how UK fintech innovation will affect the global scene, particularly post-Brexit and how important it is for Lodnon to remain a global fintech hub. All this and so much more on today's show. We want to say a huge thank you to the Department for International Trade and De la Rue who helped make this episode of Fintech Insider Live possible. New York Fintech Week was an unmissable event and we hope you enjoyed our panel from the 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 [email protected] This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Andrew Boyajian, Farrah Lakhani, Natalie Ceeney, and Robin Mackenzie. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week we have some great stories for you as David and Ross are joined by a couple of great guests: Ken Hart, CEO and Founder of Snowdrop Solutions Megan Caywood, Managing Director at Barclays We kick off the episode by taking a look at Revolut's newest scandal reveal. The Financial Conduct Authority has made enquiries into Revolut after being contacted by an ex-employee whistleblower who passed on their concerns regarding compliance and the CEO’s conduct as far back as 2016. Megan comments that it seems to have started from the Valentine's incident and snowballed from there and wonders if it could be because the media's loving the scandal and making the culture out to be bad. Ken adds that to be disruptive you have to take risks but if you want to be a trusted financial partner then you need to pivot and do some things differently (02:14). Next up, We spoke to Gary Turner Co-Founder and Managing Director of Xero UK & EMEA to find out more about making tax digital (08:34). The panel talk about how making tax digital and how the initiative is going to affect 1.2M VAT-registered businesses. It's the first step in a process that ultimately aims to automate returns and payments for companies and households for all the main taxes. Megan remarks that this has been going on for a while but it's only just becoming mainstream and that it's great to see the regulator making such a strong push for digital. Ken comments that there's a lot of effort made in the UK to make digital organisation work, especially compared to his experiences with the IRS in the US (10:20). We also talk to Luke from Monzo's vulnerabilty team to find out more about Monzo's involvement with the Big Issue to make magazines resellable (39:37). Other stories include: Cash probe into RBS Remedies Fund Big banks spending billions on digital - again Subscribe to wealth: The Netflix of Data Kroener says auf wiedersehen to Fidor x BPCE Pay it forwards again and again and again And finally some of the best financial pranks across the years 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 [email protected] This week's episode was produced by Laura Watkins, written by Dhanum Nursigadoo and edited by Alex Woodhouse. Special Guests: Gary Turner, Ken Hart, and Megan Cooper. Learn more about your ad choices. Visit megaphone.fm/adchoices

David and Simon are with some great guests from Finastra, including: Simon Paris, CEO Eli Rosner, Chief Product and Technology Officer Martin Haering, Chief Marketing Officer Nicola Hamilton, Senior Director, Brand and Communications We're bringing you an insight into how to manage diverse sets of client requirements, handling varying paces of change and overcoming the hurdles regarding legacy brands. We also talk to Finastra about their Corporate Social Responsibility (CSR) initiatives, how the company interacts with CSR and what the future has in store for Finastra. Our guests talk to us about creating a platform for financial services that let banks move faster than core banking systems let them. Finastra aims to provide an open platform for innovation in the financial services industry in an age of massive consolidation and doing it in a way that deals with internal silos and prevents them from being formed. They also talk about skill transfer, enabling those without technology skills to use platforms and how big techs are creeping into the banking area. All this and so much more on today's show. Don't forget to subscribe so you never miss an episode, leave a review and let us know your thoughts on the stories @FintechInsiders on Twitter where you can also ask the hosts questions, or email [email protected] This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Eli Rosner, Martin Häring, Nicola Hamilton, and Simon Paris. Sponsored By: Finastra Learn more about your ad choices. Visit megaphone.fm/adchoices

This week we have some great stories for you as David and Leda are joined by a couple of great guests: Conny Dorestijn, Founding Partner at BankiFi Ryan Edwards-Pritchard, MD of Funding Options We kick off the episode by taking a look at Apple Card, Apple announced the launch of a credit card designed to help customers lead a healthier financial life. It offers no fees of any kind and encourages customers to pay less interest. Conny comments that it's a cool product that can deliver an excellent user experience across devices, which is where Apple will excel but Leda thinks that this isn't a gamechanger (03:06). Next up, we talk about Oaknorth and Monzo teaming up to launch a savings account, Ryan thinks that this news is a great entry partnership for the companies and Leda adds that Oaknorth are the story right now more than Monzo (17:53). We also talk to Amir Nooriala, COO of OakNorth to get some further insight into the partnership (21:00). Other stories include: Venmo’s going after users with negative balances Standard Chartered wins first Hong Kong virtual licence HSBC Signs Deal to Use BlackRock's 'Aladdin' Software Worldwide Erica’s a hit with America JPM boot out employees in the event of a no-deal Brexit Rick Astley (bank) Rolls his retirement with crypto And finally, The Wetherspoons App Is Now Being Used By Financial Dominatrixes 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 [email protected] This week's episode was produced by Laura Watkins, written by Dhanum Nursigadoo and Laura Watkins. Edited by Alex Woodhouse. Special Guests: Amir Nooriala, Conny Dorrestijn, and Ryan Edwards-Pritchard. Links: Introducing Apple Card, a new kind of credit card created by Apple - Apple Challenger banks Oaknorth and Monzo team up to launch savings accounts | City A.M. Venmo Pursues Customers With Negative Balances | PYMNTS.com Standard Chartered to build new virtual bank in Hong Kong in fintech drive | City A.M. HSBC Signs Deal to Use BlackRock's 'Aladdin' Software Worldwide | Investing News | US News Bank of America's Erica chatbot wins over customers JPMorgan Said to Push 300 to Leave U.K. in No-Deal Brexit - Bloomberg The Wetherspoons App Is Being Used By Financial Dominatrixes Learn more about your ad choices. Visit megaphone.fm/adchoices

Last year we introduced you to the wonderful world of Luxembourg fintech through LHoFT, nine months later we've been invited back. Laura Watkins explores how Luxembourg has solidified its place in Europe as a fintech hub and how this tiny country plans to extend its reach globally by talking to some of the key players in Luxembourg's fintech space, including: Pierre Gramegna, Luxembourg Finance Minister, Nasir Zubairi, CEO of LHoFT - (lux House of Fin Tech) Susanne Schartz, Chief Operating Officer, Seqvoia, a homegrown Luxembourg fintech Luc Falempin, CEO at tokeny.com Alberto Dalmasso, Co-Founder and CEO of Satispay Laura finds out how Luxembourg is capitalising on interest in blockchain, supporting 'older' fintechs that sowed the seeds for the fintech hub and what outsiders think about the small country with big ambitions and why some of them are relocating to the picturesque nation surrounded by major European economic players. Luxembourg has managed to attract major global players like Amazon and Alipay, has considerable global ambitions and that's just scratching the surface. It seems as though David has managed to take on Goliath in this situation and Luxembourg is well on its way to becoming a global fintech powerhouse with the ecosystem they've managed to put in place. 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 [email protected] This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Alberto Dalmasso, Luc Falempin, Nasir Zubairi, Pierre Gramegna, and Susanne Schartz. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week we have some great stories for you as David and Jason are joined by two great guests: Caroline Plumb, CEO of Fluidly Simon Balmain, Operations and Community Specialist at Monzo We kick off the episode by taking a look at WorldPay selling to FIS and changing its tech stack. The group comments that it's not a modern way to approach tech stack spending, it's an oldschool way of doing things and 600M is a large amount to spend over 6 years to maintain technology (02:36). Next up, we talk about Barclaycard bringing Alipay payments to UK retailers. There are some suggestions that this could mark the beginning of the end from the panel but they also wonder who the first adopter will be and Jason, for one, welcomes our new overlords (08:52). We spoke to Tao Tao, Alipay's Business Development Director to find out more (13:15). We also talk to our 11:FS Americas MD Sam Maule to get a US insight into why 21% of Americans have no savings (:). Other stories include: 21% of Americans have no savings Grab grabs more market share in SE Asia SC’s startup bridge Female-focused crowd-funding from NatWest And finally, a German bank lets clients vote on dress code 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 [email protected] This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Caroline Plumb, Simon Balmain, and Tao Tao. Links: WorldPay payments firm in $43bn sale to US rival - BBC News Worldpay becomes first acquirer to enable Amazon Pay Barclaycard brings Alipay payments to UK retailers – FinTech Futures UK embraces contactless payments Most Americans live paycheck to paycheck Grab maps out new product lines Standard Chartered builds Fintech Bridge to matchmake with startups NatWest launches female-only crowdfunding programme German Bank Lets Clients Vote on Dress Code as Goldman Goes Easy - Bloomberg Learn more about your ad choices. Visit megaphone.fm/adchoices

Benoit Legrand is CIO of ING. Simon talks to Benoit about his unsuccessful startup experiences and what they taught him, how ING sees itself as a 20 year old fintech, why some banks are afraid of PSD2 and how to focus on the problems customers are facing. They also take a look at Yolt, developing resistence to change and the importance of having a team dedicated to delivering change, why the scale of partnerships matter and touch on Brexit. 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! ​ This episode was produced by Laura Watkins and edited by Alex Woodhouse Special Guest: Benoit Legrand. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week we have some great stories for you as Sarah and Simon are joined by a couple of great guests: Daniel Hegarty, CEO of Habito Sharon O’Dea, founder of communications and collaboration consultancy Lithos Partners We kick off the episode by taking a look at the RBS trials for a biometric fingerprint bank card. Sarah thinks it's not a terrible idea and a potential solution to upcoming Strong Customer Authentication (SCA) demands. But Simon and Daniel disagree. Simon thinks the whole thing is a gimmick and customers deserve a better UX whereas Daniel just can't see any good use cases for fingerprint cards (01:50). Next up, we talk about Bank of England telling VISA Europe to hire PwC after the 2018 outage. Simon reckons that having more eyes looking at the problem can only be a good thing while the outages problem rumbles on, Sharon agrees and comments that VISA's outage was a human error issue but there's a need to look at why that error could occur in the first place (08:36). We also have an interview with Nick Cook to find out more about the FCA appointing its first Director of Innovation. Other stories include: UK cash on verge of collapse Instant transfers in the US via PayPal and JPMC British Bank Awards - fintechs won big against incumbents Tide to raise funds to match the remedies fund payout eBay founder’s fintech fund for global financial inclusion And finally, Japanese Banks Will Finally Stop Using a Piece of 1800s Technology All this and much much more on this week's news 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 [email protected] This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Daniel Hegarty, Nick Cook, and Sharon O'Dea. Links: RBS trials biometric fingerprint bank card - BBC News Bank of England tells Visa Europe to hire PwC after 2018 outage - Finance - iTnews UK cash system ‘on the verge of collapse’, report finds | Money | The Guardian PayPal now lets US users instantly transfer funds to bank accounts in seconds | TechCrunch Smartphone challengers Starling and Monzo the big winners at the British Bank Awards | Daily Mail Online Tide to raise £60 million for business banking push Omidyar Network launches fund for fintechs making a social impact - Business Insider The Financial Conduct Authority Appoints First Director of Innovation | Crowdfund Insider Japanese Banks Will Finally Stop Using a Piece of 1800s Technology - Bloomberg Learn more about your ad choices. Visit megaphone.fm/adchoices

David Duffy is the CEO of CYBG. Simon talks to David about CYBG's recent acquisition of Virgin Money, how the challenger narrative is shifting and why integrating a challenger brand into CYBG's existing services might be easier than industry commentators believe. They also take a look at Brexit, the future of the industry, how fintech and banks can partner together and what role the big tech platforms can play. 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! ​ This episode was produced by Laura Watkins and edited by Alex Woodhouse Special Guest: David Duffy. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week we have some great stories for you as Sarah and Simon are joined by three great guests: Mel Palmer, CMO Exo Investing Matt Valentine, Barclays UK Ventures Ali Paterson, Editor in Chief, Fintech Finance We kick off the episode by taking a look at some of the problems Revolut have been suffering from lately and the culture issues that are on-going. The general consensus is that response from Revolut has been tone-deaf at best and a great product is being lost to reputational issues, although Sarah disagrees that a product is still good if it's proven to be unlawful. The story is just the gift that keeps on giving (01:38). Next up, we talk about the Women in Fin Powerlist 2019 featuring two of our very oen 11:FS staff. It came out just in time for International Women's Day. Launched in 2015, the Women in FinTech Powerlist has increasingly attracted a global audience and an unprecedented number of nominations and applications. We take a look at if these lists shine a light on the issues or if it's just political and there are some interesting discussions around who's actually appearing on these lists (08:04). Other stories include: Bank of Ireland’s multi billion euro tech bill AI is a non-starter for 40% of startups Facebook’s cryptocoin Grab gobbles $1.4 billion investment to build super app Chime rounds out epic new fundraising round Nationwide wants in on core banking And finally, Goldman Sachs is loosening its dress code All this and much much more on this week's news 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 [email protected] This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Ali Paterson, Matt Valentine, and Mel Palmer. Links: Let me set the record straight Revolut's culture: the past, present and the future Julie on Twitter: "What the actual fuck?! ”help me not get fired” #Revolut… " Innovate Finance Publishes Women in FinTech Powerlist 2018 - Innovate Finance – The Voice of Global FinTech Bank of Ireland bosses fight to rein in tech bill | Ireland | The Sunday Times Nearly Half Of All ‘AI Startups’ Are Cashing In On Hype Facebook is working on a cryptocurrency for WhatsApp to rival bitcoin | The Independent Grab gobbles $1.4 billion investment to build super app Chime Raises $200 Million At $1.5 Billion Valuation Nationwide invests £15 million in 10x Future Technologies Goldman Sachs is loosening its dress code - CNN Learn more about your ad choices. Visit megaphone.fm/adchoices

Coinciding with International Women's Day, Sarah is hosting an episode that shines a spotlight on the financial industry's documented lack of equality and many headlines are made of the gender pay gap and many other negative aspects. But it’s not all doom and gloom. Our roundtable goes over a wide range of topics, looking at their personal experiences as women in financial services, the gender (im)balance at work, what's changed in the industry, differences in gender equality at incumbents and fintechs, how STEM can attract more women, careers advice and so much more. They also talk about approaches to work, mentorships, imposter syndrome, salary expectations and share experiences and advice that apply to everyone. We have some brilliant guests, including: Emma Lindley, VP at VISA and Co-Founder of Women in Identity Val Kristensen, Director of Comms at OakNorth Livia Benisty, Head of Financial Crime at ComplyAdvantage Shafali Gupta, VP Strategy & Operations at Fluidly Diana Parades, CEO of Suade Labs Our Senior Producer Laura Watkins also interviews Megan Caywood, now Head of Digital Strategy at Barclays and formerly Chief Platform Officer at Starling Bank to get her unique perspective on similar issues. We hope you enjoy the show and, as ever, don't forget to subscribe! Want to join the conversation on all the topics discussed? Tweet the show @fintechinsiders and if you really love the show, please leave us a review on iTunes. This episode was made thanks to Senior Producer Laura Watkins and edited by Audio Engineer Alex Woodhouse. Special Guests: Diana Paredes, Emma Lindley, Livia Benisty, Megan Cooper, Shafali Gupta, and Valentina Kristensen. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week we have some great stories for you as David and Sarah are joined by four great guests: Nick Bortot, CEO of Bux Max Rofagha, CEO of Finimize Nicholas Megaw, Retail Banking correspondent at the FT Damian Richardson, Head of Product, New Digital Customer Propositions, Services at NatWest We kick off the episode with a close look at the winners of the RBS Remedies fund announced last week and wonder why some were snubbed. Max Rofagha points out how anti-competitive the awards were but it remains to be seen if this continues through the the rest of the fund pools available. TSB may have lost out but as Sarah says, TSB have bigger problems than missing out on a fund. And in a quick throwback to last week's news episode, Tom Blomfeld CEO of Monzo was correct to predict that Starling would win the £100M (03:19). Next up we take a look at Goldman Sachs' move into the credit card market with Apple. David notes that a big technology company moving into banking has been the incumbent banks biggest fear for quite some time. Sarah asks if this move could spell the end of the Marcus brand with co-branding alongside ApplePay. Sarah thinks it's been a long time coming considering some of the moves Goldman Sachs has been making over the past few months, the decision to partner with Apple suggests that Goldman Sachs wants to target Apple's demographic and payment network (10:25). Later on in the show we spoke Norris Koppel, CEO of Monese to find out more about the partnership with Avios (56:07). Other stories included: Have you got PPI? Lloyds have £19.4bn The Swedish Money Laundering Scandal continues HSBC launches PayMe in HK US might legislate against going cashless And finally, Lithuania’s Top Gear-inspired strategy to become a fintech hub All this and much much more on this week's news 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 [email protected] This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Damian Richardson, Max Rofagha, Nicholas Megaw, Nick Bortot, and Norris Koppel. Links: CYBG Snubbed For RBS Funds | PYMNTS.com Apple plans to launch credit card with Goldman Sachs | Business | The Times Lloyds PPI bill grows £750m to £19.4bn - BBC News Swedbank Dirty Money Plot Thickens After CEO Analyst Call HSBC unveils PayMe for Business app in initial beta test This Legislation Could Force Stores to Take Your Cash - The New York Times Monese integrates with Avios loyalty currency Lithuania to boost central bank headcount in response to Revolut with Top Gear-inspired strategy - AltFi News Learn more about your ad choices. Visit megaphone.fm/adchoices

It's been a long two and a half years. But we've finally hit a huge landmark with our 300th episode. This episode is an 11:FS special with some of your favourite hosts: David Brear Simon Taylor Sarah Kocianski Ross Gallagher Jason Bates Plus extra special guest Marko Wenthin, Co-Founder of Solarisbank. Our panel take a trip down memory lane, going over the early days of trying to figure out audio editing, why we took the approach that we did and how taking a conversation from the pub after a conference created a chart-topping podcast. We go over the rejected theme tunes for the show and some of the show's highlights, including some of the best jokes, live shows, conferences and of course After Dark. We also talk about some of the incredible guests we've had and difficult topics we've tackled. Of course none of this would be possible without you so we asked you to send in whatever questions you want for the hosts to answer. But if we didn't manage to get to yours this time around don't worry, we've made AMAs a regular feature on the podcast so we'll get to yours eventually! To tie off the show we have the favourite moments of ours and yours and some friends of the show. The microphones we used for this recording were six Rode NT1A's with Pop Shield. We take a look at all this and much more on this week's episode of Fintech Insider. Thank you for sticking with us for the past 300 episodes and we hope you'll stick around for next 300. We hope you enjoy the show and, as ever, don't forget to subscribe! Want to join the conversation on all the topics discussed? Tweet the show @fintechinsiders to submit your favourite Fintech Insider moment! And if you really love the show, please leave us a review on iTunes. This episode was produced by Laura Watkins. Edited by Alex Woodhouse. Special Guest: Marko Wenthin. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week we have some huge stories for you as David and Simon are joined by two fantastic fintech CEOs: Tom Blomfield, CEO of Monzo Romi Savova, CEO of PensionBee We kick off the episode with a story that'll give you 24 billion reasons to be impressed with the state of the UK's financial industry. It's the first time the four biggest lenders have made more than £20BN since 2007 and while it might appear to be a return to the good old days of pre-financial crisis finances, Romi points out that although the numbers are great, they might not be as great as they would have been in 2007 due to balance sheets. Tom also points out that banks have only made superficial changes so far but that's about to change (02:14). Next up, we talk about Santander's $700M deal with IBM. Tom points out that we only ever see headlines like this at the start of project, never at the end describing the results. Romi talks about how it's a sign that change is coming, but why are companies that market themselves as technology companies outsourcing for technology? (13:34). Later on in the show we discuss the RBS Remedies Fund. In a special segment with 11:FS' Adam Davis we discuss how this situation came to pass and the state of play of the fund at the moment. Tom puts the fund in the context of Monzo and how the challenger bank has £100M, the same amount of the second prize fund, to date on development (34:10). We also announce the winners of the fund, just in case you've missed out (49:42). Other stories included: Ant Financial buy WorldFirst SoFi plans new lending products and move into stock trading Chase goes down Yolt means business - we've got a great interview with Leon Muis, Chief Business Officer at Yolt to get a bit more insight And Finally, a Natwest call handler channels his inner Piers Morgan All this and much much more on this week's news 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 [email protected] This week's episode was produced by Laura Watkins, written by Dhanum Nursigadoo and edited by Alex Woodhouse. Special Guests: Adam Davis, Leon Muis, Romi Savova, and Tom Blomfield. Links: Britain's top banks poised to reveal biggest profits since financial crisis erupted in 2007 | This is Money Santander strikes $700m IBM deal to support biz transformation prog... Learn more about your ad choices. Visit megaphone.fm/adchoices

Sam Maule talks to AWS, Raifeissen Bank, Broadridge, FICO and Liberty Mutual on how Cloud is the new normal, moving to product and development cycles to Cloud in a matter of days rather than quarters and how capital markets and major banks are driving forwards Cloud adoption. Agility tends to be the main theme behind Cloud adoption and integration but no-one's underestimating the human component. Technology might be a huge factor in financial services but people are the ones who ultimately drive these companies forwards and need to be trained in how to use the technology. Sam talks to companies that have been doing Machine Learning for decades and discusses the issues in coming to the game too early as well as too late. Our guests also talk about how to create a new level of security using data, why failing fast is terrible and how juggling 85 balls at a time means individuals only have 5% of their work week to deal with what they should be doing. We have some amazing guests including: Scott Mullins, Head of Worldwide FS Business Development at AWS Claus Moldt, CIO at FICO Laurence Thiery, Head of Financial Services, Asia at AWS Phil Moyer, Managing Director of the Financial Services for the Americas at AWS Jonathan Allen, Enterprise Strategist and Evangelist at AWS Megan Caywood, was Chief Platform Officer at Starling Bank at time of recording, now Managing Director at Barclays Martin Dow, Engineer at Starling Bank Rob Krugman, Chief Digital Officer at Broadridge John Heveran CIO of Global Risk Solutions at Liberty Mutual Gerhard Froehlich, Group Product Owner at Raiffeisen Bank International Vladimir Simunovic, Deputy Group CTO at Raiffeisen Bank International Thank you to AWS for inviting us to AWS re:Invent 2018. We hope you enjoy the show and, as ever, don't forget to subscribe! Want to join the conversation on all the topics discussed? Tweet the show @fintechinsiders and if you really love the show, please leave us a review on iTunes. This episode was produced by Laura Watkins and Petrit Berisha. Recorded by Michael Bailey and edited by Alex Woodhouse. Cloud is a vital way to transform your business for the modern age, tap here to find out how to do it with AWS. Special Guests: Claus Moldt, Gerhard Froehlich, John Heveran, Jonathan Allen, Laurence Thiery, Martin Dow, Megan Cooper, Philip Moyer, Rob Krugman, Scott Mullins, and Vladimir Simunovic. Sponsored By: AWS: Deliver innovative customer experiences, accelerate your time to market, and enable digital transformation with Amazon Web Services. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week we have some huge stories for you as Sam's joined by: Teana Baker-Taylor, Exec Director and Board Member, Global Digital Finance Alexa Fernandez, Open Innovation & Ecosystem Builder at BBVA Joaquin Ayuso de Paul, CEO of Denizen Mark Meisner, CEO of Gen6 Ventures We kick off the show for a US perspective on the super merger that broke on last week's show. Two of the US’ biggest banks merge to become a super bank, as BB&T buy SunTrust for $28BN in stock. It's a phenomenal merger and every one of our guests has a unique take on the story. The banks are 'super-regional' which just means they're not one of the top five in the USA. They still each have assets of over $200BN. It'll make the new bank the sixth largest bank in the USA with $442BN in assets $301BN in loans and $324BN in deposits. 3100 of their branches are within 20 feet of each other (03:10). You can watch the YouTube video of our panel discussing the story here. Next up the US group discuss Chime's incredible acquisition of 10K accounts in a day, starting with a great question from Teana Baker-Taylor on whether digital banks in the US really have different regulations compared to traditional banks. We actually gave them an 11:FS Pulse award for Best US disruptor before this happened, we're geniuses. We take a look at how the UK challengers are eyeing up the USA and how the outage with Wells Fargo was one of the best advertising campaigns for Chime (15:00). Other stories include: Plaid now goes Nationwide - the fintech's now supporting Auth for every bank and credit union in the US Venture Capital investment into fintech companies rose to approximately $31BN in 2018 Revolut's marketing woes continue as the ASA is set to probe the 'spoof' takeaway ad campaign OakNorth aims to put down roots in the US after new investment from Japanese mega-investor Softbank. We also have further insight on this story from OakNorth CEO Rishi Khosla Mastercard's new groove with Linkin Park. The payments infrastructure and processor company is heading to the Grammys and Brit Awards to debut the audio cue for its new sonic brand identity All this and much much more on this week's news 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 [email protected] This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Alexa Fernandez, Joaquin Ayuso de Paul, Mark Meisner, Rishi Khosla, and Teana Baker-Taylor. Links: SunTrust and BB&T are merging — here’s what customers need to know - MarketWatch Chime adds record number of accounts after Wells Fargo outage - Business Insider Plaid - Blog Fintech Startups Suck in $31bn As The Big Finance Players Step Up R&D By Proxy City watchdog to probe Revolut’s ‘spoof’ takeaway ad campaign | Financial Times UK fintech unicorn Oaknorth to nail $440m round led by Softbank | City A.M. Mastercard seeks good vibrations with new sonic identity Learn more about your ad choices. Visit megaphone.fm/adchoices

Can you feel the #digitallove? We certainly could at the first After Dark of 2019. Just one day before Valentine's Day over 200 of finances' finest entered the tower of One Canada Square in Canary Wharf. Set high above the city of London at Level 39, it was standing room only for a show that sold out in six hours. Before we started the show with our first fin-couple, a rebearded David kicked off support for the 11:FS charity of 2019, Mind. Text GIVI88 to 70070 with your chosen amount to donate. Our first pairing on stage were, Tom Davenport, Head of Strategic Partnerships at MarketInvoice and Ian Rand, CEO of Business Banking, Barclays. Ready and eager to go through their nascent relationship with 11:FS' very own Sarah Kocianski. The couple took us through just how deep their integration really is, who's giving and who's taking and the tensions they're concerned about for the future. We also have some great Hollywood-style couple names for the iconic pairing...could BarketInvoice be advertising in the near future? Roving reporter Ross Gallagher, aka the Terry Wogan of fintech, was walking through the crowd after each couple to hear questions from the audience and bringing his trademark charm to the event. The next fin-couple on the stage have been together for a little longer, they're past the honemoon phase and they're into the real work of a relationship. Josh Bottomley, Global Head of Digital at HSBC and Ed Maslaveckas, CEO of Bud get on stage and are joined by host Jason Bates. 18 months into the relationship and it's safe to say that they're deep into the realities of the relationship. It's not a simple client/vendor relationship like ones they may have had in the past. It's real. Our second couple explain what they got upto before the settled down, why they picked each other and how their relationship is working out so far. What would digital love be without a bachelor on stage? Representing BBVA we have Derek White, the Global Head of Client Solutions flying solo all the way from Madrid. Derek does a great job sidestepping any awkwardness with his ex in the room and tells us all about the relationships the spanish bank's had with guiding so many fintechs and how happy he is to be back in London - in his opinion the fintech capital of the world. Derek tells us what happens when partnerships don't work out, if having a scattergun approach works and how all BBVA's partners get enough attention. For our final couple we're bringing on a couple near and dear to our hearts. Rasmus Figenschou, Group Executive Vice President at DNB and Leda Glyptis, CEO of 11:FS Foundry. The pair take us through who DNB flirted with partnering before choosing 11:FS, how DNB had to evolve and change in order to secure a partnership with a fintech like 11:FS and how having a long-distance relationship (international) impacts, hurts, or helps the collaboration. A huge thankyou to everyone who came out to the show and made it such a great event. We can't wait to see you at our next After Dark! Details on that will be coming out real soon so be sure to sign up to the 11:FS newsletter and follow us on social media. We hope you enjoy the show and, as ever, don't forget to subscribe! Want to join the conversation on all the topics discussed? Tweet the show @fintechinsiders and if you really love the show, please leave us a review on iTunes. This episode was produced by Laura Watkins. Edited by Alex Woodhouse. Special Guests: Derek White, Ed Maslaveckas, Ian Rand, Josh Bottomley, Rasmus Figenschou, and Tom Davenport. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week we have some massive stories for you as David and Simon are joined by: Mel Palmer, CMO at Exo Investing Saumeel Pachigar, Head of Partnerships at acasa Viktor Nebehaj, CMO at Freetrade Iona Bain, Author, speaker, commentator at Young Money blog We couldn't NOT kick off with the story causing the most noise this week, and we were lucky enough to have Iona join us on the show to give us her perspective. Of course we're talking about THOSE Revolut-ionary Valentine's day tube adverts that caused a Twitterstorm (02:52). We followed that with some breaking news from across the pod as 2 of the US’ biggest banks merge to become a super bank, as BB&T buy SunTrust for $28 BILLION in stock (18:50). Other stories included: Amex and Curve’s bust-up as Amex blocks access to Curve, 36 hours after reinstating it. Australian banks may face criminal charges after final royal commission report into their malpractice to try and clean up the sector, and naturally we had to ask our Aussie banking aficianado, Sarah Kocianski for her thoughts on this story. We round up the week's biggest funding raises David's favourite story of the year had to be our "and finally" this week as a man in a bank in Sao Paulo turned up to work for his last day in a full Spiderman costume, as you do. All this and much much more on this week's news 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 [email protected] This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Edward Maslaveckas , Iona Bain, Mel Palmer, Saumeel Pachigar, and Viktor Nebehaj. Links: Backlash over 'single-shaming' banking ad - BBC News BB&T and Suntrust to combine in an all-stock merger of $66 billion Amex blocks Curve as the fintech startup vows to fight ‘anti-competitive’ decision | TechCrunch Banks may face criminal charges after final royal commission report | Australia news | The Guardian Metro Bank hit by cyber attack used to empty customer accounts London fintech startup Bud banks $20m from HSBC, Goldman Sachs, Lord Fink, ANZ, Investec and Banco Sabadell | City A.M. Business admin and banking fintech startup Anna Money raises £8.5m from Kinetik | City A.M. Raisin scores $114 million funding round Man Quits Job At Bank And Turns Up In Spider-Man Costume On Last Day - LADbible Learn more about your ad choices. Visit megaphone.fm/adchoices

There's no question about the impact finances have on mental health and with today being Time to Talk Day (7th February) we wanted to take a closer look at how finance interacts with the mental health problems that affect 1 in 4 of us. Time to Talk Day wants to break down the stigmas around mental health and get people talking more openly about it. Sarah's joined by Katie Evans, Head of Research and Policy, Money and Mental Health Policy Institute, Joe Surtees, Policy Manager at the Single Financial Guidance Body and James Nicholson, Engineer at Monzo to discuss why money's such a taboo subject in everyday discussion, spending for stress and whether technology can solve the problem or if it'll just exacerbate it. The group also discuss positive friction, the trap of frictionless finance those who struggle with spending and the reality that some people will simply never have enough money for their needs. We take a look at these issues and many more on this week's episode of Fintech Insider. We hope you enjoy the show and, as ever, don't forget to subscribe! Want to join the conversation on all the topics discussed? Tweet the show @fintechinsiders and if you really love the show, please leave us a review on iTunes. This episode was produced by Laura Watkins. Edited by Alex Woodhouse. Special Guests: James Nicholson, Joe Surtees, and Katie Evans. Learn more about your ad choices. Visit megaphone.fm/adchoices

Our hosts David, Simon and Sarah are joined by Oscar Williams-Grut, Senior City Correspondent at Yahoo Finance, Valentina Kristensen, Director, Growth and Communications at Oak North and Livia Benisty, Head of Financial Crime at Mimiro. First up, China launches an app to dob in debt 04:01 Lloyds unveils 100% mortgage for first-time buyers 10:32 TrueLayer launches Open Banking-based payments API 20:27 FCA launches GFIN 27:37 We spoke to Anna Wallace from the FCA to tell us more 33:37 11:FS AMA with a question on which fintech has the best approach to building a banking marketplace 38:41 Stripe raises $100m at $22.5bn valuation 46:49 We spoke to Andy Challis, MD Principal Investments, and John Stecher, CIO at Barclays to give us insight into Barclays supersized accelerator 53:51 Barclays supersizes New York accelerator 56:30 Chief Innovation Officer, Neal Cross Bids Farewell to DBS Bank in Heartfelt Post 57:45 And Finally, HSBC launches ‘sound identity’ in next phase of global brand refresh 1:00:07 We spoke to VaynerMedia’s Patrick Givens, Head of VaynerSmart - to give us an expert’s perspective 1:03:25 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 on Twitter ​ This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Andy Challis, Anna Wallace, John Stecher, Livia Benisty, Oscar Williams-Grut, Patrick Givens, and Valentina Kristensen. Links: China launches app encouraging users to identify and report ‘deadbeat’ debtors | The Independent Lloyds unveils 100% mortgage for first-time buyers | Money | The Guardian TrueLayer launches Open Banking-based payments API GFIN | FCA Stripe raises $100m at $22.5bn valuation Barclays supersizes New York accelerator Chief Innovation Officer, Neal Cross Bids Farewell to DBS Bank in Heartfelt Post | Fintech Singapore HSBC launches ‘sound identity’ in next phase of global brand refresh Learn more about your ad choices. Visit megaphone.fm/adchoices

Michael Rouse is the CCO of Klarna. David talks to Michael about avoiding the trap of copying others, partnering with a brand as unique as Snoop Dogg's, and the evolution of payments in a broad sense, beyond simply moving money into a service and discovering the new areas of innovation. They also look at how to become both big and fast in the space and how that is born from creating a culture that allows people in the company to act autonomously. Michael talks about how empowering the leaders of Klarna's teams to think of it as running a business has been part of its success. Klarna has managed to keep the entrepreneurial spark it started with nearly 14 years ago. Operating in the world of e-commerce and point of sale financing, Klarna is born out of the buy-now pay-later category and started in Sweden. Now they're operating in 18 geographies and around 60M consumers have used its product. 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! ​ This episode was produced by Laura Watkins and edited by Alex Woodhouse Special Guest: Michael Rouse. Learn more about your ad choices. Visit megaphone.fm/adchoices

Our hosts David, Jason and Sarah are joined by Daniel Macklin, Co-founder of So-Fi, board member and Angel Investor, Daniel Lowther, Head of FinTech at CCgroup and Freddy Kelly CEO of Credit Kudos. First up, Snoop Dogg Invests In Klarna, Sweden's $2.5 Billion Unicorn 02:49 We've also got a great cutaway from Aoife Houlihan, VP Communications and Public Policy at Klarna to tell us more about the partnership 11:16 Square launches debit card for businesses 15:04 Google hit with £44m GDPR fine over ads 20:10 Alipay awarded e-money licence in Luxembourg 25:25 11:FS AMA with a question on if the big 4 Australian banks are more engaging than Monzo 39:30 Aussie digital bank Xinja makes crowdfunding move 45:11 Aussie digital bank Volt wins banking licence 48:30 Lloyds to cut costs with Thought Machine platform move 54:20 And Finally, Church of England: Contactless collection payments trialled 1:03:38 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 ​ This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Aoife Houlihan, Daniel Lowther, Dan Macklin, and Freddy Kelly. Links: Exclusive: Snoop Dogg Invests In Klarna, Sweden's $2.5 Billion Unicorn Square launches debit card for businesses Google hit with £44m GDPR fine over ads - BBC News Alipay awarded e-money licence in Luxembourg Aussie digital bank Xinja makes crowdfunding move Australia's Volt Bank wins banking licence Lloyds to cut costs with Thought Machine platform move – FinTech Futures Church of England: Contactless collection payments trialled - BBC News Learn more about your ad choices. Visit megaphone.fm/adchoices

Reuben Lai is Senior Managing Director of Grab Financial Group. Simon talks to Reuben about making taxis safe, opening bank accounts for those used to relying on a cash-first economy and how Grab Financial Group rose so high in the markets so fast. Reuben talks about how Grab Financial worked to turn one of the least safe industries in Malaysia into reputable and safe service through fintech, removing the cash element of transactions to improve standards and ensure customers know what they're getting. Grab Financial Group has had off the charts levels of hypergrowth - at only six years old the fintech is now operating in eight countries and 336 cities. Simon and Reuben go over Grab's expansion across South East Asia, the problems of entering a new market, convincing customers to move away from cash and using financial inclusion to encourage opportunities for a swathe of micro-entrepreneurs and consumers. 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! ​ This episode was produced by Laura Watkins and edited by Alex Woodhouse Special Guest: Reuben Lai. Learn more about your ad choices. Visit megaphone.fm/adchoices

Our hosts Ross and Sarah are joined by Lianna Brinded, Head of Yahoo Finance UK at Yahoo, Lucy Woolfenden, Marketing Director at Yolt and Wincie Wong, Head of Innovation for Supply Chain Services at RBS. First up, Fiserv to acquire First Data in all-stock deal with equity value of $22 billion 01:38 We spoke to 11:FS Managing Director of the Americas, Sam Maule to get his perspective on the Fiserv story 08:13 Atom Bank hires advisers ahead of potential Spanish bid 10:56 AccessPay banks $9 million in new funding as VCs hit the North 18:36 We interviewed Anish Kapoor, CEO of AccessPay to get a bit more insight 22:32 Digital bank Tandem eyes IPO as customer numbers continue to surge 24:46 Challenger Bank Tide Joins With ClearBank To Bid For RBS Fund 28:23 11:FS AMA on geographical markets and fintech hotspots 35:58 Fintech firms want to shake up banking, and that worries the Fed 40:23 Peter Thiel Wants To Give Wall Street a Fright 47:57 We got a bit more insight from Sam Maule 52:18 Swift introduces Pay Later API for instant loan financing 55:08 And Finally, Greggs go vegan and gets a boost from millennials 1:02:04 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 ​ This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Anish Kapoor, Lianna Brinded, Lucy Woolfenden, and Wincie Wong. Links: Fiserv to acquire First Data in all-stock deal with equity value of $22 billion - MarketWatch Atom Bank hires advisers ahead of potential Spanish bid AccessPay banks $9 million in new funding as VCs hit the North Digital bank Tandem eyes IPO as customer numbers continue to surge Morningstar Challenger Bank Tide Joins With ClearBank To Bid... | Morningstar Fintech firms want to shake up banking, and that worries the Fed | Reuters Peter Thiel Wants To Give Wall Street a Fright - Bloomberg Swift introduces Pay Later API for instant loan financing Freetrade: UK millennials bought Greggs stock after vegan sausage roll Learn more about your ad choices. Visit megaphone.fm/adchoices

Steve Bartlett is an entrepreneur and Founder of Social Chain. David talks to Steve about technological curves, disrupting the mobile phone, building brand love and the power of being transparent. 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! This episode was produced by Laura Watkins and edited by Alex Woodhouse Special Guest: Steve Bartlett. Learn more about your ad choices. Visit megaphone.fm/adchoices

Our hosts David, Jason and Leda are joined by Jeppe Rindom, CEO of Pleo, Saalim Chowdhury, Partner at 500 Startups and Simon Vans-Colina, Engineer at Monzo. First up, RBS takes stake in student-focused fintech 02:22 Google gets go-ahead from Central Bank for payments 08:52 Two-Thirds of Financial Decision-Makers Believe Tech Giants Will Offer Retail Banking in Five Years 13:29 Logging In to Your Bank Account Is Now a $3 Billion Business 15:25 Our Open Banking expert, Adam Davis had a few minutes to bring a little more insight 22:09 Starling eyes France and Germany 24:43 We also have an AMA with an intriguing three part question from a listener at Microsoft 34:55 At last, US banks are introducing contactless cards 52:09 New challenger bank on UK scene, Chetwood Financial 56:32 We have a great interview with Chetwood Financial COO, Mark Jenkinson to find out more 57:53 And finally, UK start-up Viola Black tunes in with account launch 1:05:54 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 ​ This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Adam Davis, Leda Glyptis, Mark Jenkinson, Saalim Chowdhury, and Simon Vans-Colina. Learn more about your ad choices. Visit megaphone.fm/adchoices

Howard Marks is Co-Founder and CEO of StartEngine with a long history in the gaming industry, he co-founded Activision and founded Acclaim, and has unique expertise in innovating within echnological limitations, turning around failing businesses and raising capital. Simon talks to Howard about how to help entrepreneurs achieve their dreams and the difficulties of raising capital unless you bootstrap the business. Howard wanted to solve the problems entrepreneurs face in raising funding, especially when entrepreneurs don't fit the young straight white male stereotype that VCs typically see. Howard Marks believes crowdfunding is the future of finance and he realised that the public want to be able to invest in companies they support. For a long time it's felt like the system was rigged for the rich to get richer and now regular people have a way to access companies in a similar way. 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! This episode was produced by Laura Watkins and edited by Alex Woodhouse Special Guest: Howard Marks. Learn more about your ad choices. Visit megaphone.fm/adchoices

Our hosts Simon and Adam are joined by Emily Nicolle, Technology Reporter at City AM and Valentina Kristensen, Director of Growth and Comms at OakNorth. First up, Starling Bank reviewing data policy after customer complains his passport was shared in a web link 01:41 2019 looks to continue another lights-out year for fintech startups 06:51 Google just nabbed an e-money license and it highlights the serious threat tech companies pose to incumbent banks 13:05 Microsoft Partners With Fintech Startup ZestFinance To Bring Transparency To AI-Powered Financial Models 20:22 Ant Financial in talks to buy WorldFirst 31:06 Chinese ride-hailing app Didi Chuxing expands into fintech as driver regulation rears its head 36:31 Denmark shakes up watchdog after Danske Bank scandal 41:58 We also have a great interview with Sian Lewin to give us a bit more insight 43:29 Israeli law restricting use of cash goes into effect 50:34 And Finally, the bank that watches your every move 55:48 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 ​ This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Adam Davis, Emily Nicolle, Sian Lewin, and Valentina Kristensen. Links: Starling Bank reviewing data policy after customer complains his passport was shared in a web link 2019 looks to continue another lights-out year for fintech startups | TechCrunch Google secures e-money license from Lithuania - Business Insider Microsoft Partners With Fintech Startup ZestFinance To Bring Transparency To AI-Powered Financial Models Ant Financial in talks to buy WorldFirst Chinese ride-hailing app Didi Chuxing expands into fintech as driver regulation rears its head | City A.M. Denmark shakes up watchdog after Danske Bank scandal | Financial Times Law restricting use of cash goes into effect - Israel National News The bank that watches your every move: the rise of 'behavioral banks' | American Banker Learn more about your ad choices. Visit megaphone.fm/adchoices

Bart Leurs is Chief Digital Transformation Officer of Rabobank, he joined the company two years ago to drive its fintech innovation and came from ING where he headed up its digital transformation. Jeff and Bart talk about scaling up to a full fledged digital bank in the retail market, what it's like to be a part of an industry shift, what digital transformation means to Rabo Bank, why customers are driving the change in digital and why the meta of digital is going to disappear. 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! This episode was produced by Laura Watkins and edited by Alex Woodhouse Special Guests: Bart Leurs and Jeff Tijssen. Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy New Year's Eve to all of our listeners. To give you one last fintech laugh before the end of the year we've got a quick collection of the stumbles, fumbles and absurdly mispronounced names from all the recordings this year. The stuff that doesn't usually make it in. We hope you have a great celebration tonight and can't wait to see you for even more fintech goodness in the new year! Produced by Laura Watkins. Edited by Alex Woodhouse. Learn more about your ad choices. Visit megaphone.fm/adchoices

We've got a roundtable of some of the most beloved fintech podcast hosts there are. They're all ours. Sarah's takes David, Simon, Jason, Ross and Leda through what we think's going to happen in fintech in 2019. We look back at some of our favourite moments that happened in fintech this year, before taking a look at some of the things we're most excited about for 2019. This includes: how big banks are changing, creating their own digital challengers, consolidation in the challenger market and the back office getting a lot more exciting. All this and so much more on this week's episode of Fintech Insider. We hope you enjoy the show and, as ever, don't forget to subscribe! Want to join the conversation on all the topics discussed? Tweet the show @fintechinsiders and if you really love the show, please leave us a review on iTunes. This episode was produced by Laura Watkins. Edited by Alex Woodhouse. Special Guest: Leda Glyptis. Learn more about your ad choices. Visit megaphone.fm/adchoices

You might’ve seen on Twitter we’ve been running an advent calendar of the 11 Days of Christmas, with our top things from across fintech and banking in the last year. Today we’re going to take a deep dive on those: Open Banking. The initiative launched almost exactly a year ago on 13th January and it's not exactly an overnight success. The CMA9 were not ready, but fintechs and FS providers welcomed it. We take a look at how far we have come since it began. We take a look at GDPR, if anyone was ready, how successful it's been and what effect it'll start to have in 2019 and if the acclimatisation period is truly over. 2018 brought us a horde of fintech unicorns. We examine how it happened and what it means for investment in fintech for the future. Borderless accounts. Transferwise borderless bank accounts launched back in April, allowing customers to “bank like a local” in multiple currencies. Revolut are also competing in this market with their free international transfers, could this be the next area of innovation? Mettle was launched in 2018! It's delivering forward-thinking banking for SMEs and it was launched by us with Natwest and Capco. SME’s have been long ignored in terms of FS innovation, 2018 saw the rise of SMB solutions, will this continue over to 2019? Speedy, smooth onboarding processes. A huge shout out for Monzo, KBC and Onfido for seamless onboarding utilising technology to complete KYC checks smoothly and without effort or paperwork on the behalf of the customer. Finally onboarding is becoming painless, how will the bar be raised? We also saw Monzo and Starling grant purchase blocking capabilities for gambling. It seems like fintechs are the ones leading the way in protecting customer welfare. 11:FS Foundry launched. The ability to bypass legacy infrastructure to deliver digitally-native propositions to scale and at speed is going to revolutionise banking and we're making it in partnership with DNB. Good personal finance management tools finally came into play this year. Yolt, reached half a million customers in 2018. Spin off brands/features from incumbents, eg ING and Yolt now exist. Plus the rise of Venmo in the US means that PFM has changed for the better. Monzo IFTTT. Monzo became the first bank to integrate IFTTT back in June. Engineer Simon Vans Colina gave us the exclusive with a demo of how it works. Users can move money between their account and savings pots according to any rule at all. Examples included a swear jar, £5 whenever someone goes for a run, a bonus when their favourite football team won. We love the limitless possibilities of what customers can do with their money. Branding reached a new level and there were plenty of bizarre stories. Meowing cards, a rat with a taste for cash and so much more. This year has seen so many odd things happen. Let's hope that doesn't stop next year! Produced by Laura Watkins. Edited by Alex Woodhouse. Learn more about your ad choices. Visit megaphone.fm/adchoices