Fintech Insider Podcast by 11:FS

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

We discover what financial inclusion really is, what it really means, what financial health is and the reasons behind the wealth gap in the USA. We spoke to some of the best industry experts there are to get you the clearest picture: John Hope Bryant, CEO of Operation Hope Dr. Anita Ward, President of Operation Hope Jennifer Tescher, founder of the Center for Financial Services Innovation Isabelle Barrès, Vice President at the Center for Financial Inclusion at Accion and Global Director at the Smart Campaign Ramona Ortega, founder of My Money My Future and also Entrepreneur in Residence with Azlo This episode of Fintech Insider was written and produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Dr. Anita Ward, Isabelle Barres, Jennifer Tescher, John Hope Bryant, and Ramona Ortega. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this week's insights show we're bringing you reindeer burgers, christmas trees and death metal. We've also got some great insight into the payments innovation taking place in Scandinavia, what the future of payments will look like and whether or not cash will be removed from society entirely. We've got Finland, Iceland and Sweden represented this evening so there's a ton of local insight for you to enjoy. Our amazing guests include: Kristian Luoma, Head of OP Labs at OP Aoife Houlihan, VP of Communications at Klarna Ásgeir Örn Ásgeirsson, CTO & co-founder, Meniga Anthony Craufurd, Director, Venture and Startup Engagement at Visa Europe Sami Honkonen, CEO and Founder of Tomorrow Tech We also test your payments knowledge with some truly bizarre and interesting payment methods throughout history. A big thank you to all our guests and an even bigger thank you to Kristian, Marjaana and the team at OP for bringing us back to Helsinki for a second year in a row! Slush After Parties are always amazing and we had a fantastic time. 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. Recorded and edited by Michael Bailey and Alex Woodhouse. Special Guests: Anthony Craufurd, Aoife Houlihan, Ásgeir Örn Ásgeirsson, Kristian Luoma, and Sami Honkonen. Learn more about your ad choices. Visit megaphone.fm/adchoices

Simon's with the founder and creator of Ethereum, one of the largest cryptocurrencies, Vitalik Buterin to talk about the future and enterprise capabilities of DLT, blockchain and Ethereum. And just what are zero-knowledge proofs? Here's a little sneak preview on what happened. Listen to the full interview on Thursday 13th December over on Blockchain Insider - bi.11fs.com Special Guest: Vitalik Buterin. Learn more about your ad choices. Visit megaphone.fm/adchoices

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

In this week's insights show we're bringing you a deep discussion on what's happening in the Open Banking space. Our roundtable talks about the challenges involved in implementing the rules and regulations around Open Banking and takes a look at the thorny problem of getting customers to buy-in to Open Banking. We have some of the best guests around to help: Adam Davis, Head of Delivery at 11:FS Dan Globerson, Head of Open Banking at RBS Faith Reynolds, Independent Consumer Representative for Open Banking Sam Seaton, CEO at Moneyhub Francesco Simoneski, CEO at Truelayer We kick off the discussion by taking a look at just how hard it's been to implement the rules and regulations, the internal changes that compliance has caused and the costs involved. Then we move on to the toughest parts of the regulations and what about them is preventing positive user journeys and take a close look at how the payment journey, which is meant to be live now, has been affected. We also talk about going beyond mandatory requirements, how open banking is about more than compliance and why customers haven't taken notice of Open Banking yet. In fact 72% of adults haven't even heard of it. To finish off the panel takes a look at what's being done outside of Europe, how and if Brexit willhave any impact on the quality of products and services being offered by Open Banking and what we'll see happen in the near future. All this and so much more on today's episode of Fintech Insider! ​ Subscribe so you never miss an episode, leave a review on iTunes and every other podcast app. Spread the fintech love by sharing or tweeting this podcast. ​ Let us know your thoughts on Twitter @FintechInsiders ​ This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Adam Davis, Dan Globerson, Faith Reynolds, Francesco Simoneschi, and Samantha Seaton. Links: Three quarters of Britons haven’t heard of open banking | YouGov Learn more about your ad choices. Visit megaphone.fm/adchoices

In this week's insights show we're bringing you a supersized episode of the best content from Xerocon 2018. A conference like no other is their tagline and this proved to be true, as we bring you some of our highlights from our Xerocon 2018 experience. First off, Sarah Kocianski sat down with some fantastic industry experts from across the world of SMB finance and accounting to get some great insights. You will hear from: Gary Turner - Co-founder and UK CEO, Xero Sian Kelly - MD, Inform Accounting Alexis Prenn - CEO, Receipt Bank Will Farnell - Founder, Farnell Clarke Christoph Rieche - CEO and Co-founder, iwoca Jonathan Bareham - Cofounder and Director, Raedan Caroline Plumb- CEO and founder, Fluidly As if that wasn't enough we also hosted an extra special edition of Fintech Insider: Live from the Xerocon exhibition hall. Sarah and David were joined by some leading voices in this space to talk about bank feeds and APIs; automating payments; access to finance and even an attempt at telling some accounting jokes. We were joined by: Keri Gohman, Chief Platform Business Officer at Xero Becca McClure, Director of Operations at BDO Megan Caywood, Chief Platform Officer at Starling Oliver Prill, CEO at Tide Stuart Gregory, Head of Business at Transferwise Pranav Sood, Director of International Expansion at GoCardless Anil Stocker, CEO at MarketInvoice Hannah Dawson, CEO at Futrli A usual a big thanks to all our guests and an even bigger thanks to Xero for hosting us; Xerocon 2018 lived up to the hype and we hope you enjoyed our highlights! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider on Twitter or Facebook. If you really loved it, please leave us a review, we love reading them! Special Guests: Alexis Prenn, Anil Stocker, Becca McClure, Caroline Plumb, Christoph Rieche, Gary Turner, Hannah Dawson, Jonathan Bareham, Keri Gohman , Megan Cooper, Oliver Prill, Pranav Sood, Sian Kelly, Stuart Gregory, and Will Farnell. Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re going to talk about digital wealth management and the new models and products that are emerging in this space, and the evolution of some others. We speak to a great line up of experts to get the inside information: Adam Dodds, CEO of Freetrade Dr. Ella Rabener - CMO & Co-Founder of Scalable Capital Joe Parkin - Head of Wealth & Retail at Blackrock Kai Eggert - Chief Product Officer at Huddlestock We begin by discussing the much debated topic that is the democritization of investing. Is it ethical to let anyone invest their money? Our diverse panel had some interesting and varied answers! Next, we discuss the educational aspect within this ecosystem. Whose responsibility is it to educate? Should governments & non-profits make information more accessible? Is it the role of the digital wealth management product to offer educational support? Or should it be schools, the actual education establishment themsleves that should help people understand the value of investment? Moving on, we discuss retention. Do companies want daily interaction with the app? If so how is this done? And if not, how do you keep users interested. Many are disinterested in the idea of investing money, so how is that made more accessible? Is it the jargon at hand or the lack of understanding that often, this is a long term game? Finally, we talk business models and the future of this space. How hard is it to differentiate yourself currently in this industry? How are these models and products catering for these different demographics? And perhaps most interestingly.....what's next for the wealth management industry? All this and more on today's episode of Fintech insider. If you liked what you heard, please subscribe and leave us a review! Want to get involved in the conversation? Hit us up on @FinTechInsiders or [email protected] This episode was written and produced by Petrit Berisha. Edited by Alex Woodhouse. Special Guests: Adam Dodds, Dr. Ella Rabener, Joe Parkin, and Kai Eggert. Learn more about your ad choices. Visit megaphone.fm/adchoices

Sadly David didn't get to interview will.i.am himself. But Leda Glyptis, 11:FS Chief of Staff managed to catch up with the investor (and singer) to talk about Atom Bank, AI, financial inclusion and the future of finance. This bonus episode was produced by Laura Watkins and Petrit Berisha. Edited by Michael Bailey. Special Guests: Leda Glyptis and will.i.am. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ben Davey is the CEO of Barclays UK Ventures, a former chancery barrister, he worked as CSO of Barclays Investment Bank and Group Head of Strategy of Barclays before taking on his current role. Simon and Ben talk about the challenges surrounding fintech startups and how banks are looking to creating strong lasting partnerships with them. They also talk about Ben's journey from the bar to the bank and whether he ever had to wear a wig and gown. 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 Michael Bailey Special Guest: Ben Davey. Learn more about your ad choices. Visit megaphone.fm/adchoices

Our hosts, Simon Taylor and Leda Glyptis are joined by three great guests: Max Rofagha, CEO and Founder at Finimize, Husayn Kassai, CEO at Onfido and Lisa Jacobs, CSO at Funding Circle. First up, Banking services for the unbanked! Singapore-based Grab started as a taxi-booking app but is expanding into areas like parcel and food delivery and financial services. Grab's partnered with Mastercard to issue virtual and physical prepaid cards tailored to Southeast Asian consumers, with the aim of expanding use of Grab's digital wallet and helping its unbanked users transact online. The companies hope to leverage Grab's 110 million app users and Mastercard's network of 3 million merchant outlets. Customers can top up their cards using cash through agents, drivers and merchants on the GrabPay platform. Most banks will be made irrelevant by 2030-Gartner. Within 12 years time, 80% of “heritage financial firms” will either go out of business or be rendered irrelevant by new competition, changing customer behaviour and advancements in technology, according to forecasts by Gartner. They will be replaced by global digital platforms, fintech companies and other nontraditional players. U.S. state banking regulators sue government to stop “fintech charters”. A body of U.S. state banking regulators on Thursday sued the Office of the Comptroller of the Currency (OCC) over its plan, to issue bank charters to online lenders and payment companies. The body, the Conference of State Bank Supervisors (CSBS), said the so-called fintech charter was unconstitutional and puts consumers and taxpayers at risk. Follows a similar suit filed by the New York Department of Financial Services (NYDFS) last month. Initiative Q: Scam, pyramid scheme or next PayPal? No one seems to have any idea if it’s a scam or not. Only detailed has come from David Gerard, author of Attack of the 50ft Blockchain. “It’s not impossible they’ll get something up … but pure ideas are near-worthless. The hard part is always execution.” Trendy challenger bank Monzo is Britain’s latest unicorn startup. Monzo secured a £85 million funding round, giving it a valuation of £1 billion, investors include Stripe, Accel Ventures, and General Catalyst. Most notably, the company has also relied on equity crowdfunding in the past and reportedly plans to raise a further £20 million from ordinary retail investors later this year. And finally, a special 50p coin will mark Brexit. A commemorative 50p coin will be issued to mark the UK's departure from the European Union (EU) next year. The coin would be made available in spring 2019 but it’s not yet known exactly what the new Brexit coins will look like. 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 Petrit Berisha. Edited by Michael Bailey and written by Dhanum Nursigadoo. Special Guests: Husayn Kassai, Leda Glyptis, Lisa Jacobs, and Max Rofagha. Links: Grab deal to give Mastercards to millions without bank accounts, Companies & Markets - THE BUSINESS TIMES Most banks will be made irrelevant by 2030 - Gartner U.S. state banking regulators sue government to stop fintech charters | Reuters What is Initiative Q - Is it the new bitcoin, or just one big fake scam? Initiative Q: Scam, pyramid scheme, or next PayPal? Trendy challenger bank Monzo is Britain's latest unicorn startup Special 50p coin to mark Brexit - BBC News Learn more about your ad choices. Visit megaphone.fm/adchoices

We've got some of the best content from Money20/20 USA for you this week. With six interviews from some of the biggest names in the industry: Omer Ismail, Head of Goldman Sachs US Consumer Business (Marcus) Jason Gardner, CEO of Marqueta Shivani Siroya, CEO of Tala John Hope Bryant, CEO of Operation Hope, Promise Homes and Bryant Group Ventures Nicolas Kopp, US CEO of N26 Rilla Delorier, Chief Strategy Officer of Umqua Bank 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 Michael Bailey. Special Guests: Jason Gardner, John Hope Bryant, Nicolas Kopp, Omer Ismail, Rilla Delorier, and Shivani Siroya. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's insights show comes to you live from Money20/20 in Las Vegas at the Leadership Loft. Sarah Kocianski is moderating the debate between Team USA and Team ROW. Sam Maule's representing 11:FS in Team USA and Simon Taylor's doing the same on Team ROW. We debate which parts of the world are best at different parts of banking, with the aim of building a hybrid multi-national bank of the future: Building a bank. Regulation, who does it best? Data, where is it used best? Neobanks and user experience. It's an exciting debate which is sure to decide once and for all where's best to design the bank of the future. Team USA Captain: Sam Maule, 11:FS Ron Shevlin, Cornerstone Jill Castilla, Citizens Bank of Edmond Dan Kimerling, Deciens Capital Team ROW Captain: Simon Taylor, 11:FS Melissa Guzy, Arbor Ventures Derek White, BBVA Megan Caywood, Starling Bank This episode was written and produced by Laura Watkins. Edited by Michael Bailey. Special Guests: Daniel Kimerling, Derek White, Jill Castilla, Megan Cooper, Melissa Guzy, and Ron Shevlin. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's insights show takes a closer look at how to move faster at scale and operating in agile creation models. We also take a look at what happens to data when it enters a platform, understanding how data and platforms interact with businesses and consumers, as well as the dynamics of marketplaces and platforms. We speak to the best experts to find out more: Derek White, Global Head of Customer Solutions at BBVA Ian Ormerod, Head of New Digital Business at BBVA Juho Makkonen, Co-Founder and CEO of Sharetribe This episode was produced by Laura Watkins and Petrit Berisha. Edited by Michael Bailey. Special Guests: Derek White, Ian Ormerod, and Juho Makkonen. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's insights show takes a closer look at what it means to create good digital products, how to give products room to breathe before they're abandoned and how to make, test and iterate. We speak to the perfect experts to find out: Louise Smith, Head of Design for the Personal and Business Bank, RBS/NatWest Hugo Cornejo, Head of Design at Monzo Rob Brown, Global Head of Marketing, Design and Responsible Business at BBVA Domenico De Fano, Product Owner at Revolut This episode was written and produced by Laura Watkins. Edited by Michael Bailey. Special Guests: Domenico De Fano, Hugo Cornejo, Louise Smith, and Rob Brown. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's insights show takes a closer look at what's going on in the Healthtech space. We take a look at: how people engage with their health, companies looking towards preventative measures, whether healthcare should be more patient-centric, crossovers with insurtech/fintech/healthtech and much more. We're joined by some fantastic guests: Amit Patel, Director of New Ventures at Bupa Nick Tate, VP Global Digital Innovation at GSK Matt Lenzi, Director at Hanno Paul Bate, Director of NHS services at Babylon Health This episode was written and produced by Laura Watkins and edited by Michael Bailey. Special Guests: Amit Patel, Matt Lenzi, Nick Tate, and Paul Bate. Learn more about your ad choices. Visit megaphone.fm/adchoices

Simon and Sam are with Romi Savova, CEO of PensionBee, Jasper Martens, CMO of PensionBee and Jonathan Lister Parsons, CTO of PensionBee. We're bringing you an insight into the pensions landscape, how regions outside of London are affecting pensions, the impact of open banking and gender imbalances in saving, as well as how financial education can increase savings. We also talk to PensionBee about their 'battle' with the incumbents of the pension industry as well as how pensions can evolve in the future. 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 Michael Bailey Special Guests: Jasper Martens, Jonathan Lister Parsons, and Romi Savova. Learn more about your ad choices. Visit megaphone.fm/adchoices

Shamir Karkal is Co-Founder of Simple Bank, he was the CFO during his time there and is now the CEO and Co-Founder of Sila. Sarah and Shamir talk about the genesis of Simple Bank and how it developed into a unique banking proposition that delivers a minimum loveable product. They also talk about the journey that Simple had to navigate in order to achieve its success and how frustration with an issue no-one else was paying attention to led to a successful business. 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 Michael Bailey. Special Guest: Shamir Karkal. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's insights show takes a closer look at what's going on in the Islamic finance space. We take a look at what Islamic Fintech actually is, its global scale, what makes it different from other areas of fintech, how it fits in with the push towards ethical fintech, and much more. We speak to the best experts to answer all these questions: Abdul Haseeb Basit - Co-founder and Principal, Elipses Harris Irfan - Partner at Gateway and Chair of the UK Islamic FinTech Panel Stella Cox - Managing Director, DDCAP Group and Chair of TheCityUK Islamic Finance Markets Advisory Group’ Irfan Khan - Founder and CEO of Yielders This episode was written and produced by Laura Watkins and edited by Michael Bailey. Special Guests: Abdul Haseeb Basit, Harris Irfan, Irfan Khan, and Stella Cox. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's insights show takes a closer look at what's going on in the fintech space in Luxembourg. How can a fintech hub be such a big deal if no one’s ever heard of it? Where is Luxembourg anyway, isn’t it that tiny country sandwiched between France, Belgium and Germany? We speak to the best experts to answer all these questions: Pierre Gramegna - Luxembourg Finance Minister Nicolas Mackel, CEO, Luxembourg for Finance Nasir Zubairi - CEO of LHoFT Denise Voss - Chairman of ALFI, the Association of the Luxembourg Fund Industry. Mike Kane, CEO of Hydrogen Andy Bryant, COO of Bitflyer Europe Elena Poughia, MD of Dataconomy We take a deep dive on the fintech sector at Luxembourg, what the country's doing to create a thriving environment for fintechs, and how the country is building a fintech hub set to rival London, Berlin, and every other European fintech hub. This episode was written and produced by Laura Watkins and edited by Michael Bailey. Special Guests: Andy Bryant, Denise Voss, Elena Poughia, Mike Kane, Nasir Zubairi, Nicolas Mackel, and Pierre Gramegna. Learn more about your ad choices. Visit megaphone.fm/adchoices

John Hope Bryant is CEO and Chairman of Operation Hope, Promise Homes, CEO of Bryant Group Ventures, and Co-Founder of Global Dignity. He was also the first person Sam Maule ever interviewed for 11:FS. The two of them sit down. a year later, to discuss financial inclusion and how it makes everyone wealthier. Promise Homes is a profitable enterprise combining all of John Hope Bryant's passions and interests, aimed at encouraging underserved people to become owners of their own property by renting to them with a goal to becoming part owners and eventually whole owners. It also creates a healthy renter-landlord relationship that benefits everyone in the transaction. A 200 point difference in credit score is all it takes to massively change someone's life, as John Hope Bryant says: there's never been a riot in a 700 credit score neighbourhood. Whereas in a 500 credit score community is where the real problems are found. Raising the value of communities is central to John Hope Bryant's message, it stabilises the area and reduces conflicts. He shares how he's helped uplift people's lives by creating financial structures that increase wealth for everyone involved. When poor people do better it increases the wealth of wealthy people. John Hope Bryant shares what he's doing to increase the wealth of people in communities that works to improve standards for everyone and how important confidence is in building that wealth. 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 Holly Blaxill. Special Guest: John Hope Bryant. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode the team sit down with top fintech CEOs to tackle the week's top financial news Kicking off with the news that in the ten year anniversary of the financial crisis, Brits still don't trust their banks to act in the interests of society. We explore what this means, whether banks have ever acted in the interests of society and if this really is the case? We asked some people on the streets around our offices to see if they agree. Find out what they said. Big banks have had it tough in this week's headlines - TSB have had another outage in the exact week the FCA have mandated banks to declare their outages, and the Telegraph reveals the slightly underhand dealings with savers' rates, in the days and weeks before the Bank of England's interest rate rise. We spoke to Dominic Lindley Director of Policy, New City Agenda (and a member of the Financial Services Consumer Panel) to get his take on this, and to summarise all the big bank bad news stories we’ve just covered. Amazon have announced their desire to become a price comparison site, sending their competitors' share prices tumbling, we also got some great insight from Oliver Ralph, Insurance Correspondent at the FT on this one. The team also examine: Revolut's customers getting locked out of their accounts in an attempt to crack down on money laundering; JP Morgan's new investment app which is aimed at millennials and first time investors and offers free trades and the big fintech valuations of the week, which predict Monzo will become the next fintech unicorn in Europe. 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 @FintechInsiders and join the discussion. This week's episode was written and produced by Laura Watkins and edited by Michael Bailey. Special Guests: Anil Stocker, Caroline Plumb, Dominic Lindley, Oliver Ralph, and Tom Eyre. Links: British public don't trust banks 10 years after crisis, survey finds | Reuters TSB online banking goes down again as customers complain after another outage Brit banks must disclose outages via API, decrees finance watchdog • The Register Revealed: the banks that robbed savers of a rate rise Amazon considering insurance comparison site for UK, says report | The Independent Customer fury at Nikolay Storonsky’s Revolut lock-out | Business | The Sunday Times JP Morgan to unveil new investing app with an eye-catching, disruptive price: Free Monzo poised to join ranks of Europe’s fintech ‘unicorns’ | Financial Times 5 Trends Emerge in the Gartner Hype Cycle for Emerging Technologies, 2018 - Smarter With Gartner Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's insights show takes a closer look at what it means to have a digital identity and who really controls who you are online? We speak to the perfect experts to find out: Jamie Smith - Strategic Engagement Director - Evernym Emma Lindley - Senior Director of Digital ID and Money at Visa Vinny Lingham - Co-founder and CEO of Civic Diane Joyce - CTO for the Post Office Identity Services Katryna Dow - Founder and CEO of Meeco Our hosts dive deep into the issue, finding out what your digital identity actually means, who owns it, who the biggest players in the space are and how you can reclaim it with self-sovereign ID. Laura and Ryan also take a look at how digital identity works globally and how it's set to develop in the future. This episode was written and produced by Laura Watkins, and co-produced by Petrit Berisha, edited by Michael Bailey. Special Guests: Diane Joyce, Emma Lindley, Jamie Smith, Katryna Dow, Ryan Garner, and Vinny Lingham. Learn more about your ad choices. Visit megaphone.fm/adchoices

Tom Peters is co-author of In Search of Excellence, a book that's often touted as the best business book there is. Nearly 30 years later and with 16 more books under his belt, Tom Peters is still leading the management guru industry he created. Sam Maule talks to him about everything that influenced his life and led up to the moment Peters wrote In Search of Excellence. Emphasising the need for innovation, transparency, honesty, empowerment, openness (all the traits 11:FS stands for) Tom Peters isn't afraid to call out bullshit where he sees it. Although, Tom is just as capable of going off-topic as Sam. This is a chat between two guys who love their jobs, love their careers, and reflect on both well enough to know how they got where they are today. There's a lot of expertise required to know hot to make things better. Tom Peters has led a career that's let him write in great detail what it means to derive the best results from a project. That stems from understanding the things that prevent everyone from delivering. And if you pay him well enough, he'll even tell you politely. Tom Peters makes a living from telling CEO they are doing everything wrong and they love him for it. He'll spend the first five minutes of every speech messing with his audience purely to make a connection with them in the moment it really matters most. 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 Michael Bailey. Special Guest: Tom Peters. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's insights show takes a closer look at what defines a challenger bank, how the name's stuck, and what it actually means. Is it all because of a grudge or is it seeking to disrupt the banking status quo? We speak to the perfect experts to find out: Anne Boden - CEO and Co-Founder of Starling Anthony Thomson - Founder of Atom Bank, Metro Bank, and a new Australian bank (86 400) Tom Blomfield - CEO and Co-Founder of Monzo Oscar Williams-Grut - Senior Reporter at Business Insider Our intrepid hosts travel around the issue, finding out what the founders of challenger banks think of the classification, what differentiates them from incumbents (after all many features are available from both types of bank), how challengers create competition amongst themselves and how with the banking landscape changing as rapidly as it is, what the future holds for all financial insitutions, both neophyte and incumbent. 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 written by Laura Watkins. Produced by Laura Watkins. Edited by Michael Bailey. Special Guests: Anne Boden, Anthony Thomson, Oscar Williams-Grut, and Tom Blomfield. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's insights show takes a closer look at how to solve the major issues of opening a bank account, payments, and getting a loan that are challenging SMBs at the moment. We speak to experts to find out who's going to win the race for SMB loyalty: Edward Berks, Director of Banking, Fintech & Ecosystem, Xero Nadya Hijazi - Global Head of Business Banking Digital, HSBC George Bevis, CEO, Tide Megan Caywood, Chief Platform Officer at Starling Paul Bulpitt, Head of Accounting at Xero and Founder of the Wow Company Last time we looked at SMB banking we heard from independent business owners about their individual experiences with SMB banking. Now we want to know if they're typical and if anything they said was surprising to the experts? 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 written by Laura Watkins. Produced by Laura Watkins & Petrit Berisha. Edited by Michael Bailey & Holly Blaxill. Hosted by Sarah Kocianski. Special Guests: Edward Berks, George Bevis, Megan Cooper, Nadya Hijazi, Oren Greenberg, Paul Bulpitt, and Sam Booth. Learn more about your ad choices. Visit megaphone.fm/adchoices