Fintech Insider Podcast by 11:FS

Welcome to this week's Insider show, where Simon hosts a panel on the future of banking, featuring Marko Wenthin, co-founder of solarisBank; Leanne Kemp, founder and CEO at Everledger; and Elena Alfaro, Global Head of Data at BBVA. Before getting stuck in to the detail, our expert panel discuss the current situation in banking. What are the biggest challenges and why hasn't banking kept up with the pace of technological change and the change in customer behaviour? How are banks learning to respond to the pace of change, and why shouldn't we just focus on digitising but being truly digital? The panel also explores the evolution of the customer journey and the importance of understanding the customer context. And Elena discusses how data might unlock a truly personalised process. Leanne delves into the importance of understanding your processes and your customers, and Marko talks about his approach to customer data. And we discuss whether machines can ever replace people in customer interactions, or whether customers will always favour a human touch. Finally, what does the future hold for banking? What might the customer relationship look like, and who will own it? And how will we be using data and analytics? Listen in to find out! We hope you're enjoying the show - don't forget to subscribe so you never miss an episode, and we'd also love it if you could leave us a review on iTunes! Get in touch at [email protected] or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Elena Alfaro, Leanne Kemp, and Marko Wenthin. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode Caroline, Pete and the guys break down a trilogy of P2P payment stories featuring Facebook, Apple and... Walmart? Meanwhile Square's Jack Dorsey is frustrated by the time it takes to get a banking license and Deutsche Bank signals the end of fiat money as we know it. The second half of the show is almost entirely devoted to challenger banks as there were so many in the news this week! First up, Revolut apply for a European banking licence ahead of the Brexit agreements in order to not lose access to the European market, whereas N26 announce their plans to launch in the UK in 2018 with or without Brexit. Monzo raises another £71M in VC investment while its rival Starling becomes the first mobile only bank to connect with Yolt, and ASOS and Klarna team up for a buy now pay later scheme that had a lot of people talking about whether its actually beneficial for consumers and will it ultimately cost them more in the long run? Finally, rounding out the show is the news that Snoop Dogg's VC firm is backing a cannabis lab-testing company, ahead of the recreational cannabis market in California opening in 2018 - has he dropped this (like it's hot) just at the right time, and is he expecting a high rate of return?! All this and more in today's news show! Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at [email protected] or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Caroline Plumb and Pete Townsend. Links: Facebook launches p2p payments for Messenger in the UK Apple Pay Cash launches in beta today, letting you send and receive cash in Messages Walmart Pay Threatens to Surpass Apple in U.S. Mobile Payments Walmart makes silly claim that Walmart Pay is about to overtake Apple Pay | 9to5Mac Square’s Jack Dorsey: We’re moving as fast as we can with bank application DEUTSCHE BANK: End of fiat money Revolut applies for European banking license ahead of Brexit N26 is launching its bank in the UK in 2018 Challenger bank Monzo raises another £71M from Goodwater Capital, Stripe and Michael Moritz Starling Bank bolts to Yolt money app Online retailer Asos offers buy now pay later option with Klarna Snoop Dogg's firm Casa Verde leading $1 million round in Cannalysis Learn more about your ad choices. Visit megaphone.fm/adchoices

We have a fascinating interview for you this week as Sam talks to Amber Baldet, who leads the J.P Morgan team developing Quorum, the open source code based on Ethereum that's designed to address the challenges of blockchain adoption in financial services. We hear how Amber and the team have approached developing an open source code base from a highly regulated institution and how they've approached the blockchain community. We also talk about the importance of a transformation agenda and getting to the heart of clients' pain points. Plus, where does Amber rub shoulders with Vitalik Buterin and Brian Armstrong? Amber explains how and why "actual adoption of projects is what we really need what it comes to blockchain right now." So what distinguishes DLT from machine learning, AI and data science, and why are network coordination and marketplace understanding so important? Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at [email protected] or on Twitter @FintechInsiders and follow us on Facebook. Special Guest: Amber Baldet. Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to an extra special episode of Fintech Insider - our 150th episode and it's a Halloween-themed show recorded in front of a live studio audience at our home in WeWork, London. Simon, David and Jason are joined by Valentina Kristensen, Head of Marketing at Oak North; Charlie Wood from Capco; Monty Munford, Journalist for titles such as Forbes, The Telegraph, The BBC and The Economist; and Jeremy Burge, the founder of Emojipedia. Straight on to the news and the guys discuss why Monzo has become a chat up line in London's bars and how maybe it's all to do with their sense of community. Plus, Britain's fintech boom has pushed finance trademarks to a record high. So where will new fintech company names come from? With reports this week that people trust Amazon almost as much as they trust their bank, we discuss just how close tech firms have got with their customers, and what that might mean for banking in future. Find out who our live audience trusts most. After Dark wasn't going to pass without talking about ICOs - so do they meet William Bernstein's four criteria for a 'bubble'? No live recording is complete without a good feature, so we have a bit of audience participation in Trick or Treat: Celebrity ICO & crypto endorsements, including Bono, Dwayne "The Rock" Johnson, and many more. Plus, the hotly anticipated return of the Fintech Wall of Emoji, introduced by the authority on Emoji interpretation, and Chief Emoji Officer, Jeremy Burge, and featuring Jamie Dimon vs bitcoin, iPhone X and "being the Uber of...". The guys also discuss SMBs; gender equality in banking and further afield; the Uber credit card; and Amazon Alexa's rib-tickling sense of humour. We had a fantastic night an we hope you did too - thanks to everyone who came to party with us, you made the night. Hope you enjoy the show and don't forget to leave us a review on iTunes! Let us know your thoughts @FintechInsiders or find us at [email protected]. Special Guests: Charlie Wood, Monty Munford, and Valentina Kristensen. Links: The bank that's apparently so cool it has become a chat up line in London's bars Learn more about your ad choices. Visit megaphone.fm/adchoices

This week David talks to Liesbeth about MoneYou, an online European retail bank and subsidiary of ABN Amro. We hear the MoneYou story, including its innovative roots in mortgages and how they added more products and services to evolve with customers across the Netherlands, Belgium, Austria and Germany. Liesbeth explains MoneYou's the importance of their pioneering mentality and their target market, including their focus on empowering customers to be in control of their finances. Plus, how MoneYou engage with millennials to shape their products. David and Liesbeth are joined by Eric to explore the partnership between MoneYou and Bankable. We learn about Bankable's vision to create digital subsidiaries and why they're perceived as the friendliest fintech for incumbents. So how have MoneYou and Bankable made innovation a part of their identity? We also discuss how the best way to compete is to focus on your customers instead of competitors. And what does the future hold for Bankable? Plus: number one productivity tips (should it really be ctrl+A and delete?); the power of saying no; how to build superstar teams and keep them motivated; the strength of diversity; and best career advice. Hope you enjoy the show and don't forget to leave us a review on iTunes! Let us know your thoughts @FintechInsiders or find us at [email protected]. Special Guests: Eric Mouilleron and Liesbeth Rigter. Learn more about your ad choices. Visit megaphone.fm/adchoices

We had such a great time at Xerocon 2017 and spoke to so many interesting people that we couldn't possibly give you just one episode. So here's part two, including interviews with Edward Berks, Director of Sales, Banking and Fintech at Xero, Ian Christie, CEO at Boma Technologies, Margaret Laidlaw, Partner at Mazars, Mark Sykes, Partner at BDO and Anna Curzon, Chief Partner Officer at Xero. First on today's show, David chats to Ed about Xerocon, the Xero community and their app ecosystem. We also hear from Ian about his background in advertising and marketing, and how that experience led to Boma - using machine learning in content creation. Next up, David speaks to Margaret at Mazars about how fintechs and SMEs have presented new challenges and new ways of working. Mark Sykes, head of BDODrive, talks to David about how they help businesses of all sizes to make effective decisions and how Xero help them to focus on the right information. And finally, we hear from Anna about why she has the best job as Chief Partner Officer and how Xero are rewiring economies. Plus, why are small businesses so important to the world's economies? Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at [email protected] or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Anna Curzon, Edward Berks, Ian Christie, Margaret Laidlaw, and Mark Sykes. Learn more about your ad choices. Visit megaphone.fm/adchoices

Sam welcomes us into the Fintech Insider flat, our temporary base while we explored this year's Sibos conference, hosted by SWIFT. He's joined by some fantastic guests - Mike Sigal from 500 FinTechs (part of 500 Startups), Dion Lisle from CapGemini, Jo Lang from IBM, and April Rudin from The Rudin Group - to talk about the state of Canadian fintech. First, the guys talk about the conference circuit and discuss their standout experiences of Sibos, including Sam's interview with Brad Garlinghouse, CEO at Ripple. We hear how Innotribe started out, and how it's evolved since then. Plus, which topics pulled the biggest crowds; how did distributed ledger technology (DLT) fare at Sibos; and why describing yourself as "the Uber of..." might just make you a moron! Are the prices in the payments industry on a race to zero? And why might banks be struggling to bank fintechs? We also hear why some fintech Blockchain "experts" might be talking, um, nonsense, and what might have been the secret to Stripe's success? And it's no surprise that we're talking about Jamie Dimon's views on Blockchain and Bitcoin once more. Think he's spot on or way off? Let us know! Plus, why talking ICOs might make Sam shoot himself. Despite that, we do speculate about the future of cryptocurrencies. The guys talk asset management, how spending patterns have changed across generations, and the transfer of wealth. Also, how have data and ethics impacted investment decisions? Enjoy the show! Spread the word, tell all your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at [email protected] or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: April Rudin, Dion Lisle, Jo Lang, and Mike Sigal. Learn more about your ad choices. Visit megaphone.fm/adchoices

The guys start this week's show by tackling the Revolut founder and CEO Nikolay Storonsky's divisive view on work culture. Should employees be comfortable working 12-13 hours per day and does it make for a sustainable business? And more broadly, does this story hint at a wider issue in the fintech sector? We also discuss the Lessons Learned report from the FCA Regulatory Sandbox, which allows innovative firms to carry out live testing. We talk about what proportion of firms received investment, whether applicants, like many things, are London-centric, and why distributed ledger technology (DLT) was so popular. Plus, why are startups using DLT being denied banking services? Monzo and Starling have both moved closer to payments integration. But are services like Android Pay and Apple Pay building a significant following, or are they just a good news story for the mobile banks? Facebook Messenger has added P2P payments capability - but is PayPal still useful? And why doesn't David Brear make for a good sample population? The guys discuss the partnerships that Alipay has secured to continue expanding its reach in the US. And do members of boards at big firms really have the right digital experience to lead through technological change? N26 have decided to make the brave move of entering the US market by mid-2018; so when will other be following them? The team also talk about how N26 has marketed the benefits of network effects; and the source of regulators' fear at losing control of monetary policy. Plus, the Poppy Appeal has gone contactless; UAE appoints the first Minister for Artificial Intelligence (and why AI is red, red, red hot); childrens' financial education via Digipigi; and why the Bank of England has spent £3000 on Snapchat to promote the new £10 note. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at [email protected] or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Kadhim Shubber and Sharon O'Dea. Links: Our culture is 'about getting s**t done': The Revolut founder on why his people work 12-13 hours a day Tech workers worry about age discrimination at age 40: Study 📄📄📄 The FCA Regulatory sandbox lessons learned report Monzo and Starling take bigger steps towards payment integration Monzo – Android Pay is Here! Fitbit pay arrives with Starling Bank! HSBC partners with Bud for open banking trial Poppy Appeal goes contactless Facebook Messenger adds PayPal as P2P payment option Alipay expands US reach with North American Bancard, Poynt deals N26 announces plans to launch in the US by mid-2018 UAE appoints first Minister for Artificial Intelligence Viva Kids World: Digipigi – More Than a Money Box Bank of England spends £3,000 on Snapchat filter to promote new £10 Learn more about your ad choices. Visit megaphone.fm/adchoices

Jason and Simon are joined by Erik Edin, Product Manager in the Business Team, helping businesses to send money abroad; Helena Jaramillo, Product Designer, focussing on first-time customer experiences; Jeremy Buttner, Borderless Banking Lead; and Steve Naudé, Head of Middle East and Africa Banking, bringing the Transferwise experience to customers. We hear how Transferwise serve their customers, who their customers are, and how they’ve created a transparent charging structure for sending money abroad. Plus, why Transferwise see themselves as a financial company, and how they work with banks around the world. We also hear how securing direct access to the Faster Payments System (FPS) in the UK allowed Transferwise to create the best customer experience, and how working with the regulator in Singapore to enable online KYC. Transferwise talk us through their approach to marketing, and why transparency is so important (they’ll tell their customers when a competitor is cheaper!). Plus, the team explain the importance of partnerships in helping other firms get to grips with PSD2 and open banking. We also discuss future products, phase two of Transferwise and focussing on their niche. Plus, the Transferwise view on cryptocurrencies and the why it’s important to engage legal and compliance from the get-go. We hope you're enjoying the show - don't forget to subscribe so you never miss an episode, and we'd also love it if you could leave us a review on iTunes! Get in touch at [email protected] or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Erik Edin, Helena Jaramillo, Jeremy Buttner , and Steve Naudé. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week's special edition of Fintech Insider Insights was recorded live at Xerocon 2017 from London's Excel Centre. David hosts a panel on Frictionless Finance, discussing how technology is lowering barriers to entry and we hear how the panelists are tackling friction in finance. David talks to Caroline about Fluidly's intelligent cashflow technology and her experience at Xerocon, plus we hear from Shachar about the problem that Curve is trying to solve, connecting all cards and accounts in one app, using one card. Next up, Colin talks to us about iwoca, an online lender specialising in small businesses, and about his background in Strategy. Plus, how a partnership with Xero has fueled iwoca's growth and why Xerocon is so important to them. Stewart Roberts explains how iZettle is changing the way small businesses take payments, as well as all the things they can do after that point. Back on the panel, how does a big bank keep up with its customers' needs and why is it all about connecting people? David also asks about the big pain points for small businesses and some of the solutions, including the importance of saving time, how automation can provide that all-important peace of mind and why it's all about discovery and accessibility. And there's more - the challenges and opportunities created by open banking; how data will be used in the future; Brexit (you knew it would crop up...);the responsibility of running a marketplace; and where will SME banking be in ten years' time? Enjoy the show! Spread the word, tell all your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at [email protected] or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Caroline Plumb, Colin Goldstein, Niall Cameron, Shachar Bialick, and Stewart Roberts. Learn more about your ad choices. Visit megaphone.fm/adchoices

In a special news show this week, Sam Maule hosts all the way from Toronto, Canada, where the team have been covering the Sibos conference. The guys have another chance to discuss open banking and APIs, hot topics at Sibos this year; why value generation is seen as one of the biggest challenges posed; and how partnerships with fintech firms will help banks to find those important new sources of revenue. Sam also covers the complicated relationship between Swift, the Sibos organisers, and Blockchain at the same time that Ripple was hosting Swell, a competing event right across town. Sticking with the Blockchain theme, we talk about Bank of Canada's Sibos announcement that they're looking into applying Blockchain technology to the securities market. And in keeping with our location, we cover the launch of Marqeta, a payment processing platform, in Canada next month, and discuss why their Just-in-Time, or JIT, technology is a big draw for firms. And fintech's still hot! Or at least, that's what the latest figures on financial deals tell us. But which are the hottest prospects? And how might Wall Street defend its position against Silicon Valley? The guys round off this week's show with a look at the state of Canadian fintech. Hope you enjoy the show and don't forget to leave us a review on iTunes! Let us know your thoughts @FintechInsiders or find us at [email protected]. Special Guests: Barb MacLean, Dan Eberhard, Kris Hansen, and Zac Cohen. Links: Sibos 2017: API or the highway Sibos Highlights Swift's Complicated Relationship With Blockchain Bank of Canada exploring blockchain technology for securities Payment Processor Platform Marqeta to Launch in Canada Next Month It Was a Busy Quarter for Deals in Fintech Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, Nigel’s fresh off the back of InsureTech Connect in Las Vegas – the largest gathering of the insurance technology world on the planet! This year, attendance jumped to 3,800 - congratulations, guys, we look forward to next time. While there, Nigel caught up with Darin Reffitt, Vice President of Marketing at Splice Software, which combines art and science to create stronger customer connections. Nigel and Darin explore the rise of voice and speech-to-speech technologies and emotionally relevant customer messages. Next up, Nigel meets Quentin Colmant, co-Founder of Qover, providing real-time insurance via open APIs. We hear how their solution allows customers to start selling insurance in five minutes. Nigel also talks to Tim Hardcastle, CEO of Instanda, a platform for insurance providers to improve product delivery. Tim talks about the lessons he’s learnt, through the dotcom boom to starting Instanda in 2012, and how the established insurers are responding to insurtech start-ups. Plus, is insurance really no different from any other consumer market? We hear from Chris Cheatham, founder and CEO of Risk Genius, whose mission is to organise the world’s insurance policy information. Chris tells us why the insurance world doesn’t really know what’s in its insurance policies and how Risk Genius is tackling the problem. And finally, Nigel sits down with Caribou Honig, Chairman and cofounder of InsureTech Connect, and cofounder of QED Investors. Caribou explains why right now might just be the most exciting time to be in insurtech. We also ask: how can incumbents evolve and is the centre ground of insurtech shifting between Europe and the US? Enjoying InsurTech Insider? Tell a friend about us, get in touch at [email protected] or on Twitter @InstechInsiders, and please leave us a review on iTunes. Special Guests: Caribou Honig, Chris Cheatham, Darin Reffitt, Nigel Walsh, Quentin Colmant, and Tim Hardcastle. Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode, Jason talks to: Gavin Littlejohn, Chair of the Financial Data and Technology Association that led the campaign for open banking; Mike Kelly, founder and CEO of Curl; Anita Kimber, Head of Open Banking and Innovation at Nationwide; and Matt Cox, Head of Insight and Innovation at Nationwide. We get under the skin of the second Payment Services Directive (PSD2) to ask where did it come from? Our team of experts takes us back to the beginning to explore the genesis of PSD2 in payments and account aggregation, and how this has evolved into today's regulation. Jason asks how PSD2 is progressing in the UK and how its being implemented. And is PSD2 a threat or an opportunity for incumbents? We discuss the big challenges to implementing PDS2 and how registration for start-ups will work. What do consumers make of open banking and how can firms illustrate solid use cases to communicate with them? Looking forwards, we ask how the upcoming GDPR legislation will interact with PSD2. Listen in for all this and much more on the challenges, opportunities and consequences of PSD2. Enjoy the show! Spread the word, tell all your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at [email protected] or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Anita Kimber, Gavin Littlejohn, Matt Cox, and Mike Kelly. Learn more about your ad choices. Visit megaphone.fm/adchoices

What a show we have for you this week and it's a week of firsts - MJ's first time in the hot seat to host the show - on her own, no less - and our very own Benedict Shegog from the 11:FS Pulse team makes his Fintech Insider debut. So what's coming up on the show? David Cameron's back in business! US payments business, that is. The guys discuss his credentials for the job and why he might be acting like a Kardashian. Have we seen the end of the banking heyday? And why might ex-Barclays boss Antony Jenkins be saying so? We also hear about Russian bitcoin bros and Putin's views on cryptocurrencies, suggesting that Russia's central bank may be next in line to introduce regulation. We also caught up with Adam Dodds from Freetrade.io, the challenger stock broker, who shared their exciting news about achieving full FCA authorisation, and told us about their journey on the road to disrupting the stock trading industry. The team discuss Venezuela's reliance on cash and how it's stoking inflation. And how on earth will China give citizens a score based on their trustworthiness? Should they? Will they? Also on today's show: Monzo fending off one takeover offer per month; Starling's latest app feature; Zopa building a new bank; Zazu crowdfunding a digital bank; and why it's finally been shown that Siri is a simpleton! Enjoy the show! Spread the word, tell all your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at [email protected] or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Benedict Shegog, Charlie Wood, Liz Lumley, and Sarah Kocianski. Links: David Cameron takes job with US electronic payments ​​firm Ex-Barclays boss Antony Jenkins: the heyday of banking will never return Russia’s Putin sounds alarm over risks of cryptocurrencies Putin And Ethereum: A Match Made In Fintech Venezuela has too much money but not nearly enough cash The Chinese government wants to give every citizen a score based on their trustworthiness London fintech star Monzo is fending off one takeover offer each month Starling Bank launches goals (saving / virtual pots feature) Zopa CEO Jaidev Janardana on building a new bank Zambia’s Zazu begins crowdfunding to launch digital bank It’s official-Siri is a simpleton EU investigates possible Dutch and Polish blocking of fintech services Learn more about your ad choices. Visit megaphone.fm/adchoices

First up on this week's episode, Sam talks to Ron Herman, founder and CEO at Sionic Mobile, an Atlanta cloud-based connected commerce platform company. Sam explores their work on a connected in-car gateway, beacons and how brands can leverage their presence. Next, Sam talks to Michael Crawford from Fifth Third Bank. Michael explains Momentum, Fifth Third's new app to tackle student loan debt, and why the regional bank chose to get into fintech. They also explore Fifth Third's 'skateboard' approach to building out a product and why they set up a project team of millennials. Hope you enjoy the show and don't forget to leave us a review on iTunes! Let us know your thoughts @FintechInsiders or find us at [email protected]. Special Guests: Michael Crawford and Ron Herman. Learn more about your ad choices. Visit megaphone.fm/adchoices

David's representing 11:FS without the other guys this week, but he's not alone as he's joined by Bianca Lopes, Sarah Kocianski, and Jamie Campbell to power through another packed show. First up, and straight off the back of our appearance at XeroCon, we cover Curve's partnership with Xero. Hit or miss? Let us know what you think. The team discusses Starling's launch of Business Accounts - yet another string to their bow - and has the Brexit vote hit Tandem's ability to raise money? The guys talk about two stories on Atom - contrasting their £42m loss last year to the increase in their deposits over £900m. And we discuss whether pensioners are being penalised for saving too much. Are consumers comfortable sharing their financial data and, if not, could the news derail the open banking revolution? Meanwhile, HSBC gets the jump on other large UK banks, announcing a new app to link customer accounts. Plus...Aviva invest in Wealthify, real-time payments on two continents, yet more news on Equifax, and a cryptocurrency for Ghostface Killah. Find all these stories and much, much more over at fintechinsidernews.com. Sign up to join the discussion, spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at [email protected] or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Bianca Lopes, Jamie Campbell, and Sarah Kocianski. Links: Curve partners Xero to automate expenses Business Accounts with Starling Bank Tandem's 2016 accounts: Brexit blamed for trouble raising money - Business Insider Atom Bank lost 42m last year | The Times Atom Bank passes £900 million in deposits - Business Insider Pensioners stung with £46,332 tax bill for saving too much Two thirds of consumers don't want to share financial data in blow to 'open banking' revolution HSBC's Beta app allowing customers to link accounts | This is Money Aviva to make strategic investment in Wealthify - Aviva plc Banks to switch to real-time payments from Australia Day | Australia news | The Guardian Justice Department gives big banks green light on real-time payments | American Banker Equifax just scored a $7 million contract to protect the IRS from fraud - Oct. 3, 2017 Ghostface Killah Is Starting a Cryptocurrency Company | PigeonsandPlanes Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Jason Bates interviews Rod Drury, finding out about his multi-skilled and impressive background which ultimately led to him founding Xero in 2006. We asked about how in his view, Xero is transforming the space for SMBs and accountants, and whether he sees Xero as a disrupter in the space. They also discuss Xero's platform, data and partnership, opportunities post PSD2 and their relationships with banks. All this comes ahead of Xero's flagship event, Xerocon, the London leg of the event that kicked off this week, and we get Rod's view on that, and how he always envisioned Xero being a globally recognised brand. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at [email protected] or on Twitter @FintechInsiders and follow us on Facebook. Special Guest: Rod Drury. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: We talk hacks, hacks and more hacks as the team take on the fallout from the Deloitte hack, the Equifax boss steps down after their hack, and CBS' Showtime gets hacked with code making user's computers mine cryptocurrency in the background as they watched their favourite shows... Phew! They also discuss more traditional Fintech Insider news stories including: Starling's latest funding round, Monzo's new integrations and Alipay's latest partnerships, this time in Scandinavia. And finally... a family of raccoons shut down a Toronto bank - you heard it here first. All that and more on today's show. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at [email protected] or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Andra Sonea and Valentina Kristensen. Links: Monzo tests in-app energy provider switching feature Challenger bank Starling aims to fly with £40m fundraising - Sky News W3C Payment Request API is Being Implemented in All Major Browsers | ProgrammableWeb Alipay strikes more overseas partnerships - Business Insider Aussie banks scrap ATM fees Deloitte hit by cyber-attack revealing clients’ secret emails | Business | The Guardian CBS's Showtime caught mining crypto-coins in viewers' web browsers • The Register Equifax Boss leaves after data breach 'Payment by vein' trialled in supermarket Boffins take biometric logins to heart A family of raccoons has shut down a Toronto bank Learn more about your ad choices. Visit megaphone.fm/adchoices

Simon is joined by Pete Townsend founder and CEO of Norio Ventures, and Chris Mills from KPMG's Investment Management team. Today's show aims to shine a light onto Asset Management, an industry that is ripe for disruption and yet it is slightly overlooked. Simon starts from the very beginning: what is asset management? How does it work? And who are Asset Managers' clients? The guys rattle through the very basics to make asset management real and accessible before taking a look at topical queries such as why and how is the market ready for disruption? What does the future look like for asset management and how will fintech products influence this. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at [email protected] or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Chris Mills and Pete Townsend. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: We have a live audience, a later start than usual and plenty to drink as we dive into the week's most topical stories. First up: digital technology making financial struggles more manageable, how are the underserved or the financially unstable being catered to with fintech?, Is cash still king? And which countries are leading the race to go cashless first? We have shoutouts to our sister podcasts, InsurTech Insider - as we hear from Nigel Walsh on the top 5 changes insurers "must" make - and Blockchain Insider, as YC announces its bid to let investors invest in their startups via blockchain - is blockchain going mainstream? We get into a discussion of gender inequality in fintech, Google's mobile payments debut in India and that Equifax hack. Additionally with the help of our audience, we curated the first ever Fintech Wall of Emoji - what topics and trends did we rate and hate? All this and more on this week's very special Fintech Insider News! Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at [email protected] or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Jamie Campbell, Liz Lumley, Nigel Walsh, and Sarah Kocianski. Links: Digital technology can make financial struggles easier to manage The surprising place where cash is going extinct Do or die: 5 changes insurers must make now YC wants to let people invest in its startups through the blockchain – TechCrunch Stats on gender balance in UK fintech: sector 71% male - Business Insider Google debuts Tez, a mobile payments app for India | TechCrunch Equifax Suffered a Hack Almost Five Months Earlier Than the Date It Disclosed - Bloomberg I love this story. South Park Mercilessly Pranked Viewers' Amazon Echos Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Sam Maule hosts a roundtable discussion about the state of fintech, banking and financial services in America right now. He is joined by special guests: Matt Harris, MD of Bain Venture Capital, Margaux Avedisian, EVP at Transform Group, Robert Barba, Senior Banking and Fintech Writer and Analyst at Bankrate, Inc., and Laura Spiekerman, co-fouder of Alloy. Between them they cover: The state of VC, is it a bubble? Will it burst? The state of crypto currency and ICOs The state of compliance The state of the media in relation to financial services, banking and fintech Thanks to all our guests for taking part! Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at [email protected] or on Twitter @FintechInsiders. Special Guests: Laura Spiekerman , Margaux Avedisian, Matt Harris, and Robert Barba. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: David and Simon are joined by the FT Alphaville's Kadhim Shubber, Fidor's Sophie Guibaud and Pete Townsend of Norio Ventures to discuss the top news stories of the last week. First up we discuss THAT Apple launch, how Apple's P2P capabilities are a little underwhelming, how Venmo's attempt to fight back against Apple Pay involves a very ugly debit card, and sticking with the theme we discuss Zelle's P2P mobile payments app that recently launched and what it means when banks club together to innovate. They also discuss whether fintech really is the fastest growing industry in the US, what it means for Jamie Dimon to slam bitcoin, is he just wrong or is it a distraction to cover up something else? Finally, they take on Monzo letting their customers decide fees for using ATMs abroad, whether 30% of bank jobs will be gone in 5 years as the CEO of Pandit claimed, and ANZ's restructuring to create 150 "startups", it sounds like nonsense but are they the first traditional bank to really understand how to be agile? Also on the show we have an exclusive interview with digital receipting startup Flux alongside Megan Cawood of Starling, all about their recent partnership and launch on Starling's Marketplace. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes! If you want to get in touch, drop us a line at [email protected] or on Twitter @FintechInsiders. Special Guests: Kadhim Shubber, Matty Cusden-Ross, Megan Cooper, Pete Townsend, Sophie Guibaud, and Veronique Barbosa. Links: iOS 11: Apple Pay Just Got Easier | Money Apple suffers embarrassing demo Face ID fail at iPhone X launch Venmo is offering users an (ugly) physical debit card | TechCrunch Fintech: The Fastest Growing Industry in the U.S. - theMReport.com Starling Bank launches Marketplace, integrates with itemised receipt and rewards startup Flux | TechCrunch Jamie Dimon Slams Bitcoin as a ‘Fraud’ - Bloomberg Robots finds a welcome reception among China’s finance and tax services | South China Morning Post Pandit Says 30% of Bank Jobs May Disappear in Next Five Years - Bloomberg European banks shuttered over 9000 branches last year ANZ Bank restructure to create '150 start-ups' Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: Jason asks Stephen about his financial services and legal background, how that adds to his current role, and what the Treasury do. He also asks him what his views are on fintech in general and UK fintech in particular, and what it means to the man on the street to enable them with their financial management and give them better services. He also highlights how fintech is changing the reputation of banking for the better. He also discusses the government's role in assisting and enabling the industry, and the uncertainty around Brexit for the industry, especially around attracting and hiring talent outside of the UK, and finally they discuss what fintechs can do for the government, and vice versa. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes! If you want to get in touch, drop us a line at [email protected] or on Twitter @FintechInsiders. Special Guest: Stephen Barclay. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Author, speaker and fintech guru Dave Birch joins David, Jason and Simon for the news, alongside Richard Davies, formerly of HSBC, about to start at TSB. We also hear from Alison Rose of RBS at their Entrepreneurial Spark event. This week they discuss what Google's banking app might look like; First Direct repositioning itself because great customer service is no longer a differentiator; is India really overtaking China in fintech adoption? What's the truth behind the "big number" Deutsche Bank staff being replaced by robots, according to their CEO? And could this have been publicised better? As Portugal bans large cash payments we discuss stashes, hoards and how big is the Shadow Economy? As ING promotes itsme in Belgium they discuss who do we trust most with our data? AliPay Smile launches in China proving that electronic face recognition is better than humans and the perfect marketing strategy vis innovation that has been executed here. And finally, following Sam Maule's lead, which song matches these stories best? Check out our Spotify playlist to listen to the ones the team chose and see if you agree! https://open.spotify.com/user/11fs/playlist/4JGfsBeULjw5xHf16zStCO As always, find all the news stories in this episode and many more at fintechinsidernews.com, follow us on Facebook, and don't forget to subscribe so you never miss an episode and we'd also love it if you could leave us a review on iTunes! Special Guests: Dave Birch and Richard Davies. Links: Google Bank Application Concept on Behance. First Direct repositions as it admits customer service is no longer a differentiator Report says India is about to overtake China's fintech China’s fintech firms eye overseas IPOs to fund growth as regulations tighten at home | South China Morning Post Deutsche Bank boss says 'big number' will be replaced by robots Portugal bans cash payments of >EUR 3k It’s not you, it's me! | ING Alipay 'Smile to Pay' tech comes to Chinese KFC Lilium just raised $90 million to become the Uber of the sky - Business Insider Fintech Insider News - 11/09 Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: David and Nigel are joined by three fantastic guests: Jean-Stephane Gourevich, professional advisor and InsurTech guru, Luca Schnettler founder of Healthy-Health and Erik Abrahamsson, CEO and founder of Digital Fineprint. We kick things off with a debate about how the data economy disrupting the insurance sector and creating new product/business models and what that means for InsurTech and both our guests' companies. They discuss: the importance of collaboration and the value of personal data; millennials' view on data sharing - is it as laissez-faire as we believe?; and the impact regulation may have on insurtech when it comes. In the news section they talk through £218M investment in insurtech in H1 2017 alone and what this means for the industry, drone footage analysis to help insurers; greater European Insurtech partnerships as a result of Brexit, and the bizarre correlation between insurance claims and the Great British Bakeoff! Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes! If you want to get in touch, drop us a line at [email protected] or on Twitter @instechinsider. Special Guests: Erik Abrahamsson, Jean-Stephane Gourevitch, Luca Schnettler, and Nigel Walsh. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: Monty Munford and Sarah Kocianski join Jason Bates, Simon Taylor and David Brear for this week's news show. They discuss how cultural fit might be hurting Fintech Companies and how banks should be working with Fintechs. Whether phone keyboards the gateway to smoother payments or should we also just be using Amazon Cash instead? Canadians get into the personalised banking game and the podcast crew take on Whoppercoin. All this and healthy dose of stories from Monty on this weeks Fintech Insider News. As always, find all the news stories in this episode and many more at fintechinsidernews.com, follow us on Facebook, and don't forget to subscribe so you never miss an episode and we'd also love it if you could leave us a review on iTunes! Special Guests: Monty Munford and Sarah Kocianski. Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s episode we’re shining a light on new, smaller startups in the fintech industry as Meaghan Johnson interviews Caroline Plumb, founder of Fluidly, a new fintech startup - transforming the way businesses plan and manage their money, launching this October. Later on she also speak to Jonathan Lister and Jasper Martens, CTO and VP of Marketing at PensionBee, which aims to make pensions simpler and accessible to all by easily combining all your old pensions into one new online plan. Don’t forget to subscribe to the podcast so you never miss an episode. If you want to get in touch you can find us on our Fintech Insider Facebook page or follow us on Twitter @FintechInsiders. Thanks for listening! Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: Sam Maule is joined by David Brear, Jason Bates and Simon Taylor for this week's news show. They discuss: the possibility of US banks making a massive profit if deregulation goes ahead, and at what cost to the consumers?; Co-op Bank's stake falls to just 1%, what happens to the 4M loyal customers who buy into Co-op's ideals if only 1% is still managed by them?; As Barclays allowed customers to make payments via Siri is this actual innovation from them? And is this a huge step forward in accessibility to banking for the handicapped? They also talk through TransferWise's next funding raise and how they properly "get" marketing, Google and Walmart team up to take on Amazon, N26's first 500k customers, and how porn can be an innovative force in banking. Also, if all these news stories were a song, which song would they be? See if you agree with the team's suggestions. As always, find all the news stories in this episode and many more at fintechinsidernews.com, follow us on Facebook, and don't forget to subscribe so you never miss an episode and we'd also love it if you could leave us a review on iTunes! Links: Big U.S. Banks Could See Profit Jump 20% With Deregulation - Bloomberg CO-OP stake in bank falls to 1% Barclays bank now lets customers make payments via Siri | 9to5Mac TransferWise lines up investment round Jack Ma-backed Yunfeng Financial buys Asia unit of MassMutual for US$1.7 billion | South China Morning Post Fintech trade body chief steps down Google and Walmart Partner With Eye on Amazon - The New York Times Prodigy Finance raises $240 million from Index Ventures, Balderton - Business Insider N26 now has 500,000 customers for its bank of the future | TechCrunch Toronto Receives its First Ethereum ATMs Billionaire Porn King Reinvents Himself as Japan’s Startup Guru - Bloomberg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: Beth tells Simon what the OCC is and what it does, with particular reference to the American dual-banking system and how she became a part of it. We also find out what the OCC is doing to embrace and promote financial innovation and the challenge of balancing that with regulation. To find out more about Beth and the work of the OCC, visit OCC.gov, or email [email protected] We hope you're enjoying the show - don't forget to subscribe so you never miss an episode, find all the news stories and many more at fintechinsidernews.com, follow us on Facebook, and we'd also love it if you could leave us a review on iTunes! Special Guest: Beth Knickerbocker. Learn more about your ad choices. Visit megaphone.fm/adchoices

In another packed episode we have a full house of hosts as David, Jason and Simon are joined by global fintech commentator and Girl, Disrupted, Liz Lumley; Editor-in-Chief of Fintech Finance, Ali Paterson; and Capco's Principal Consultant, Charlie Wood. The team discuss WhatsApp adding payment features; First Direct coming consistently top of a customer service poll, and the bigger banks always come last - we discuss if there's a correlation between the size of the bank and their market share and the poor quality of customer service? (are you bad when you're big?); and most topically, what responsibility does PayPal have over KKK donations via their service? And how do you find a middle ground between censoring free speech and social responsibility? They also take on start up shopping; retraining and up-skilling versus job cutting; pocket money startups; and turning trash into tokens in Amsterdam. We also have an interview with James Lloyd, Asia-Pacific Fintech Leader at EY, all about the Chinese fintech and Alipay stories that have been making headlines this week. We hope you're enjoying the show - don't forget to subscribe so you never miss an episode, find all the news stories and many more at fintechinsidernews.com, follow us on Facebook, and we'd also love it if you could leave us a review on iTunes! Special Guests: Ali Paterson, Charlie Wood, James Lloyd, and Liz Lumley. Links: WhatsApp to introduce payments feature » Banking Technology RBS bottom in our banking customer service poll as First Direct remains top OakNorth's loan book continues to grow exponentially PayPal escalates the tech industry’s war on white supremacy Apple, Up 38% in 2017, Left Trailing by Alibaba, Tencent - Bloomberg Alipay partners with Yelp to continue its pursuit of Chinese tourist money | TechCrunch Can WeChat Thrive in the United States? Fintech CEO says tech giants like IBM may go on M&A ‘shopping spree’ for start-ups in 2018 Digital pocket money startup Spriggy secures A$2.5 million funding Westpac launches Tech University to re-skill workforce RBS to cut 880 London IT jobs The cool reason why these green coins are becoming a currency in Amsterdam. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: Megan Caywood, Chief Platform Officer, Jason Maude, Head of Customer Analytics and Sarah Guha, Product Director at Starling are joined by David Brear and Simon Taylor for a round table discussion about all things Starling Bank! Megan, Sarah and Jason fill us in on what Starling Bank does right now and it's aim to be the best current account in the industry. They also talk about the beginning of their global expansion, their start up mentality, their total focus on innovation and improvement, and the hurdles of rapid scaling. They also discuss their Marketplace product and some key partnerships as part of that, and how they're making a head start on PSD2. For more information visit StarlingBank.com or follow them on Twitter @StarlingBank. We hope you're enjoying the show - don't forget to subscribe so you never miss an episode, and we'd also love it if you could leave us a review on iTunes! Special Guests: Jason Maude, Megan Cooper, and Sarah Guha. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: In an episode packed full of guests and news, we kick off with Tandem's takeover of Harrods bank - where did they get the money and what's their next move? Next up is Australia's latest move to make bitcoin an official currency as they continue to fight to become a leader in blockchain, and is bitcoin the key to Chinese investment? Are Monzo the friendliest bank in Britain as yet again they reap praise from open, honest and prompt user communications following another outage. Are SoftBank vying to become the first investor to fund multiple world dominating companies? Are they the best at spotting new unicorns? They also talk Chinese giants - WeChat and Alipay as Chinese banks look to regulate fintechs, and is data the new oil? Reliable data that can be shared, is the new commodity companies want in on. And finally, what is ethical hacking? All this and more in this week's show. We hope you’re enjoying FinTech Insider – don’t forget to tell a friend about us and please leave us a review on iTunes. Special Guests: Andrew Ellis, Sameer Chishty, and Sarah Kocianski. Links: Tandem Bank acquire Harrods Bank! | Fintech Finance Lawmakers Want to See Bitcoin Become an Official Currency in Australia - CoinDesk Traditional banks still standing despite fintech revolution - The Scotsman Monzo CEO apologies for 'unacceptable' outages and tells customers to carry a backup card - Business Insider A running list of SoftBank's tech investments - Business Insider People’s Bank of China Has Fintech on Its Mind Master’s Degree Final Major Project: Theoretical Design Improvements and new Concepts — Monzo. Banks to fintech talent: No need for Shoreditch switch How Flutterwave wants to change payments in Africa - Jul. 31, 2017 WannaCry hero Marcus Hutchins 'prevented from working by US bail terms' Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: Meaghan Johnson interview Phillip Keller and Harley Morlet, CEO and co-founder of Tail respectively. Tail is a rewards platform designed for open banking APIs. Tail provides exclusive offers for Starling and Monzo card holders such as cash back on purchases made with their Starling or Monzo cards and other offers such as discounts on dining out. We ask them about Tail's origin story, what the main pain points were with getting off the ground and what their future plans are. We also ask them what they think the future holds with open banking and which challengers they'd most like to work with next. We hope you’re enjoying FinTech Insider – don’t forget to tell a friend about us and please leave us a review on iTunes. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode David and Nigel discuss the latest news and trends in insurtech, including the trend of "serial disruptors" - talent moving away from incumbents to create start ups to fix issues with incumbents' services, as TechCrunch runs more insurtech stories lately, is this the start of insurtech going mainstream? They also talk drone insurance and are smart helmets the new frontier of insurtech? And the personalisation of data and risk to ensure that people are not tarred by tied stereotypes, such as young male drivers being more unreliable than any other demographic. Additionally, as Brolly raise over £1M in funding, we have an interview with their CEO Phoebe Hugh to discuss the latest innovations at Brolly and what they're looking to do longterm. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes! Special Guests: Nigel Walsh and Phoebe Hugh. Links: With $4 million in funding, Kin wants to change how homeowners get insured | TechCrunch Earnings Call Roundup: Insurance CEOs Say Change Is Coming VCs love insurance, even if you don’t | TechCrunch Startups want to change what you insure and how you insure it | TechCrunch The New Frontier Of Insurtech: Smart Helmets That Protect Your Wallet InsurTech Futures: Allianz partners with start-up Flock on drone insurance - Insurance Age Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: First up: Amazon is everywhere, should banks be concerned?, and is Amazon more of a threat than Trump? They also talk AI as RBC launches Siri bill paying functionality and USAA launches a pilot on Alexa. Klarna launches P2P product, Wavy, a rival to ABN AMRO's Tikkie but they have 'Pan-European' capabilities that could make them more influential. Alipay's European expansion continues, and the team discuss the scale of growth in Asia, as South Korean bank Kakao gains 800,000 customers in 4 days and it's not viewed as especially notable. They also debate the potential post-Brexit banking exodus and the wider impact of that on the British economy. And finally, as Andy Murray supposedly invests in Revolut, we talk about the impact of celebrity endorsement on fintechs. Special Guests: Andra Sonea and Tanya Andreasyan. Links: Executives Are More Worried About Amazon Than Trump Setbacks - Bloomberg RBC customers can now ask Siri to pay their bills USAA pilots conversational AI on Amazon Alexa Finsync connects with Worldpay US Klarna launches a peer-to-peer payment app called Wavy – TechCrunch Ingenico extends Alipay acceptance to banks and acquirers in Europe Bitcoin splits, but clone off to slow start Apple sales boosted by apps and music - BBC News Kakao Bank attracts 800,000 accounts in 4 days Oliver Wyman report on Brexit and banks - Business Insider The Brexit-effect on banking pay Watchdog calls for 'fundamental reform' of overdraft charges Tennis Star Andy Murray Among Customers to Pledge Over $22 Million to FinTech Revolut - CryptoCoinsNews Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: David interviews Robert Churcher, the author of the Financial Wellness Report and they discuss the growing challenges of financial wellness in today's climate, and the importance of education to help people understand their current financial position, their long term goals and how to achieve them. Advice is also critical, particularly contextual advice that is relative to an individual to help them independently manage their finances and to have confidence in investing. They discuss what the future will look like, especially for young professionals and the different products and services available to them. For further information read the report in full: http://www.pwc.co.uk/financial-services/fintech/assets/boosting-young-professionals-financial-wellness.pdf Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: We bring you the highlights from an event we attended, organised by NFI, in Scandinavia, where we heard from co-founders and CEOs from some of the most up and coming fintech firms, including Bud, Solaris and Clear Bank, and our very own NED, Chris Skinner. Guests: Edward Maslaveckas - CEO and co-founder, Bud Marko Wenthin - Board Member, Solaris Nick Ogden - Executive Chairman, ClearBank Chris Skinner - Non-Executive Director, 11:FS We hope you’re enjoying FinTech Insider – don’t forget to tell a friend about us and please leave us a review on iTunes. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: The team discuss: Revolut's massive crowd-funding pledges - but what will they do with the money?; Musk vs Zuckerberg on the future of AI; Transferwise's team-up with Apple Pay; and alternative credit scoring as Aire get a deal with Zopa. We also have an exclusive interview with Innovate Finance’s CFO, Abdul Haseeb Basit about their H1 Fintech Investment report. We also talk more bad news for Lloyds as they are forced to pay yet another fine; is too much reliance on consumer credit taking us into the next recession?; and finally, Sweden's government leaks critical information of nearly the entire country. You can find all of these stories and more over at fintechinsidernews.com, sign up now to join the discussion! We hope you’re enjoying FinTech Insider – don’t forget to tell a friend about us and please leave us a review on iTunes. Special Guest: Sarah Kocianski. Links: Revolut - Beyond Banking SEC deems DAO tokens and ICOs as securities Google launches its own AI Studio to foster machine intelligence startups | TechCrunch Musk and Zuckerberg clash over future of AI - BBC News Goldman Sachs is pulling back from trading America's hottest investment product - Business Insider Singapore Startup Takes Bitcoin Into Real World With Visa - Bloomberg The H1 2017 VC FinTech Investment Landscape - Innovate Finance – The Voice of Global FinTech Credit scoring startup Aire raises $5m; wins Zopa deal Lloyds to pay back customers £300m in compensation for mortgage arrears errors Bank of England warns more defences may be needed against consumer credit Margaret Meehan: We need FinTech to help us handle pension pots - The Scotsman Sweden Accidentally Leaks Personal Details of Nearly All Citizens Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: David Brear interviews Tim Schaefer about his 29 years at Northwestern Mutual, starting as an entry level, programmer, all the way up to his current role as EVP. Tim takes us through how Northwestern Mutual are embracing technological and cultural changes, team structures and digital products to establish excellence in the space, all tied to driving great customer experience. We hope you’re enjoying FinTech Insider – don’t forget to tell a friend about us and please leave us a review on iTunes. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: We bring you the highlights from The Next Web Conference 2017 in Amsterdam, where we spoke to some fantastic guests – including actual royalty – Prince Constantijn of the Netherlands, who speaks to Aden Davies about his new role as a special envoy for StartUpDelta2020. Additionally we have Max Brenssell, International Associate at n26 on their plans for expansion to the UK, followed by Ben Hammersley, of Wired about his views on AI and the impact it’ll have on the jobs market; Boris Veldhuijzen van Zanten CEO and co-founder of this very event, TNW 2017, talking about The Next Web and what we can look forward to in 2018, followed by Marc Teerlink Chief Business strategist at IBM. Aden also chats Reshma Sohoni, Co-founder of Seedcamp straight offstage from giving her speech, and Kathryn Myronuk the Synthesis & Convergence Faculty Lead at Singularity University discussing the fantastic work that they do. Guests: Max Brenssell – N26 – International Associate Ben Hammersley – Wired – Futurist & Writer Boris Veldhuijzen van Zanten – TNW – CEO and co-founder Marc Teerlink – IBM – Chief Business strategist Prince Constantijn of the Netherlands – Startup Delta – Special Envoy Reshma Sahoni – Co-Founder & Partner – Seedcamp Kathryn Myronuk – Synthesis & Convergence Faculty Lead – Singularity University Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Episode 116. Insights – Live from TNW 2017 appeared first on 11:FS. Special Guests: Ben Hammersley, Boris Veldhuijzen van Zanten, Marc Teerlink, and Reshma Sohoni. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: David, Jason and Simon are joined for this week’s show by news show regulars Liz Lumley and Kadhim Shubber. First up Jason guides the team through recent current account announcements from both Monzo and Starling – are they the hipsters of fintech?, Are they racing each other to release products?, and is there not room enough in the industry for both? They myth-bust the “tech-focus” of BNY Mellon’s new CEO; why “tech” is the tag everyone seems to covet – but saying it does not make it so; Kadhim introduces everyone to Shingy (shingy.com) and was the FCA’s faulty currency convertor tools deliberate or an honest mistake? As Barclays start giving away BPay bands for free they debate whether wearable alternatives to wallets are really a thing? And if they are, should you pay for them? David also chats with David Geale of the FCA on their latest cohort for the regulatory sandbox. Guests: Elizabeth Lumley FinTech commentator & Author of girl-disrupted.com Kadhim Shubber, Reporter at Financial Times David Geale – Director of Policy, FCA News this week: Finextra – Monzo taking it slowly as first limited-edition current accounts come onstream- Link Starling Bank YouTube – Starling goes live with Apple Pay – Link Finextra – Paypal partners with Samsung Pay – Link Bloomberg – BNY Mellon appoints tech-focused Charles Scharf as its CEO – Link Finextra – FCA issues warning over misleading currency converter tools – Link Business Insider – Ratesetter has £80m of loans go bad – Link City AM – Barclays to give away “BPay” bands for free – Link FT – Tech “start-ups” raise $1.3Bn from “ICOs” Link Guardian – End of the ‘rip-off’: all charges for paying by card to be banned – Link Chicagotribune – Man robs bank while 4 children wait outside in SUV – Link The post Episode 115. News: buying jewellery from a bank? appeared first on 11:FS. Special Guests: David Geale, Kadhim Shubber, and Liz Lumley. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode Jason Bates and David Brear interview Mariano Belinky, Managing Partner of Santander InnoVentures and Shachar Bialick, CEO of Curve, following the announcement last week of Santander’s recent investment in Curve, in an expansion of their growing fintech portfolio. They discuss how InnoVentures fits into Santander’s digital approach, and what the investment of Curve and two other fintechs brings them, the longterm business plan of Curve and how Santander’s investment will help them achieve this. They also talk APIs, open banking and what our guests’ views on upcoming PSD2 directives are. Find out more about Santander InnoVentures here and Curve at imaginecurve.com Learn more about Mariano by connecting on LinkedIn or follow him on Twitter, and you can also find Shachar on LinkedIn or on Twitter. We hope you’re enjoying FinTech Insider – don’t forget to tell a friend about us and please leave us a review on iTunes. The post Ep. 114. Interview – Mariano Belinky & Shachar Bialick appeared first on 11:FS. Special Guests: Mariano Belinky and Shachar Bialick. Learn more about your ad choices. Visit megaphone.fm/adchoices

InsurTech Insider is a new show in the 11Media network, hosted by David Brear and co-host Nigel Walsh, of Deloitte, dedicated to all things insurtech. In Nigel’s words “there’s no better time to be in insurance” – and both he, David and their special guests will take you through the trends, changes and news stories, and the new startups, disruptors and technology in the insurance industry right now. Fittingly for our very first episode, the guys discuss exactly what is InsurTech? Is it just “fintech’s little brother” – or so much more than that? We find out the 101. They also discuss how much data is too much?; the importance of incumbent and insurtech relationships, the education of customers, and the overall shift in the industry from price and product to value and service. Guests: Nigel Walsh – partner at Deloitte, with focus on InsurTech, Technology Transformation and Digital Ben Green – Digital Director, Tock Insurance Freddy McNamara – CEO and Founder of Cuvva. Keep an eye out for Episode 2, coming soon! Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post InsurTech Insider Ep1. – InsurTech 101 appeared first on 11:FS. Special Guests: Ben Green, Freddy Macnamara, and Nigel Walsh. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode In a fun packed episode, David is joined by regular guest Ghela Boskovich, alongside Edward Maslaveckas, Jeff Tijssen and Gabrielle Inzirillo, who made her Fintech Insider debut, having only just stepped off the Eurostar from Paris. The team discuss whether or not cash transactions are dying out in the UK thanks to the convenience of contactless payments – (1/3 of all card transactions are now contactless) – and the UK’s reduction in reliance on credit cards overall. Conversely, on the other side of the pond the US are now “hooked on credit”, is this the result of glamorous loyalty programmes or poor financial education? They also debate whether or not the UK cares about challenger banks; what the implications are of Stripe going after the Chinese market with integration of Alipay; US’s reluctance to adopt APIs; Revolut’s move to take on the Asian market following major investment; and how freaked out you’d be if your ATM started sending you handwritten messages, along with much more. Guests Ghela Boskovich – Founder and Global Ambassador, FemTech Edward Maslaveckas – CEO and Co-founder, Bud Jeff Tijssen – Head of Fintech and Partnerships, Capco Gabrielle Inzirillo – Founding Member, BNP Paribas, Plug and Play News this week Business Insider – UK card payments overtake cash, but less bought on credit – Link – Business Insider – America is hooked on credit cards — and it’s pretty clear why – Link Finextra – Brits unmoved by new digital challengers – Link Guardian – Lloyds Bank brings in single overdraft rate in radical shake-up – Link Tech Crunch – Confirmed: London fintech Curve raises $10M Series A – Link Business Insider – Worldpay shares drop sharply after it agrees a £9.1 billion deal with Vantiv – Link Finextra – HSBC and Barclays join EU project to test the use of digital IDs for cross-border banking- Link Tech Crunch – Stripe adds support for Alipay and WeChat Pay, China’s top digital payment services- Link Finextra – Nacha sets sights on standardised APIs – Link BBC News– RBS agrees £3.65bn settlement over risky mortgages in US – Link CNBC – Revolut raises $66 million in venture capital investment; eyes expansion in Asia & US- Link Guardian – Texas man trapped inside ATM rescued after passing notes through receipt slot – Link The post Ep. 113 News: Is Cash Dying? appeared first on 11:FS. Special Guests: Edward Maslaveckas , Gabrielle Inzirillo, Ghela Boskovich, and Jeff Tijssen. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode Jason Bates interviews Laurent le Moal, CEO of PayU, the leading online payments provider, dedicated to growth markets, at Money20/20 Europe in Copenhagen. PayU’s primary focus is to help merchants accept payments and they operate in a wide range countries around the world including India, Latin America, Turkey and Russia. Laurent tells us that PayU currently manage an incredible 250 different ways to accept payments – including globally recognised cards, regional payment schemes, bank based accounts, legacy systems based on cash. Their focus being on digital transactions and they process 60% of all e-commerce transactions in India alone. Laurent and Jason discuss PayU’s existing huge market share and their plans for expansion into further digital payment products to serve consumers based around credit scoring in less developed countries. They also debate fintech changes and developments worldwide and where the trends are coming from, and where to watch for future investment opportunities. For more information on Laurent, connect with him on Twitter or LinkedIn or check out PayU. Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep. 112. Interview – Laurent le Moal, CEO, PayU appeared first on 11:FS. Special Guest: Laurent Le Moal. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: We bring you the second roundup of highlights from Money20/20 Europe in Copenhagen. We caught up with some fascinating guests, speakers and interviewees; starting with the founder of Moola and ITV’s resident Money Expert, Gemma Godfrey, who chatted to Simon about Moola – the online investment services she founded to help people invest their money easily and intuitively, and her time as an adviser to Arnold Schwarzernegger on The Celebrity Apprentice USA. Jason then catches up with Marko and Nigel from Solaris who give us an exclusive announcement of their new partnership; followed by Jaidev Janardana, the CEO of Zopa who discusses Zopa’s expansion from P2P lending to marketplace lending, and the company’s overall evolution since its launch in 2005. Jason also speaks to Jack Harris of Wirecard, a German-based company who collaborate with start ups and fintechs to empower them using Wirecard’s own banking licence; Jack tells Jason about their plans for future development and their global aspirations. Next up, Simon chats to Amy Neal from Mastercard about their engagement with startups and the 6 new startups they’ve just partnered with, including Tonetag who are introducing sound-based contactless payments. Finally, Meaghan interviews Pranay Jain, CEO of Enterprise Bot who are revolutionising customer service using AI to humanise response systems. Guests: Gemma Godfrey – Founder, Moola and ITV’s Money Expert Marko Wethin – Board Member, Solaris Jaidev Janarnada – CEO, Zopa Jack Harris – Vice President, Financial Institutions & Fintech, Wirecard Amy Neal – VP and Senior Business Lead, Mastercard Pranay Jain – CEO, Enterprise Bot Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep. 111. Insights: Money20/20 Europe, Part 2 appeared first on 11:FS. Special Guests: Amy Neale, Gemma Godfrey, Jack Harris, Jaidev Janardana, Marko Wenthin, and Pranay Jain. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode David and Simon are joined by regular Sarah Kocianski, and RFi and Sky News Australia’s Chloe James, who makes her Fintech Insider debut, for this week’s news. First up, they discuss the pros and cons of “screen-scraping” – do banks only want open banking on their terms and to pick and choose the bits of it they want?; is it right that challengers only get one representative at the Open Banking Initiative- and is Atom really a challenger bank?; and is a CIO title unnecessary? You can’t innovate in a silo, it needs to go company wide, nor can one person or department “own” innovation, that only creates turf wars. There are also strong views on the ‘culture of harassment’ for women in tech as reported by the New York Times and how sad it is that this culture already permeates an industry that’s so young. The necessity of speaking up to shatter unconscious bias in the industry is paramount. They also take on Danske Bank’s pocket money app to allow parents the ability to digitise pocket money for their children and have an online overview of what they do with it – could this be a key to improved financial education for children? The team also reflect on the ‘changing of the guard’ at Tesco Bank as their CEO steps down after 10 years; on MBank putting themselves forward as a template for others as they licence their tech platform, and on Tide’s $14M raise from the same backers as Spotify – can they now live up to their hype of being the “Monzo of business”? Guests Sarah Kocianski, Senior Research Analyst Fintech at Business Insider UK Chloe James – Group Media Director – RFi Group & Presenter at Sky News Australia News this week Finextra – EBA rejects Commission amendments on screen scraping under PSD2 – Link Open Banking – Atom Bank CEO Joins Open Banking Initiative As Challenger Bank Representative – Link Finextra – HSBC hires Diana Biggs to lead business model innovation – Link Bloomberg – Tesco Bank Says Chief Executive Higgins to Retire Next Year – Link Techcrunch – Curve now lets you ‘go back in time’ and switch the card you paid with retroactively – Link FinTech Insider News – Poland’s mBank to license tech platform to third party financial institutions – Link FinTech Insider News – Danske Bank develops pocket money app – move over Osper / GoHenry – Link New York Times – Women in Tech Speak Frankly on Culture of Harassment – Link Business Insider – Fintech startup Tide: $14 million boost from Spotify backers Creandum – Link Medium – Bag Snatchers, Monzo, and a night of adventure in London. – Link The post Ep. 274. News: Digitising Pocket Money appeared first on 11:FS. Special Guests: Chloé James and Sarah Kocianski. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode From last week’s magnificent Money20/20 Europe, Jason interviews Rita Liu, Head of Alipay (Europe, the Middle East and Africa), the world’s largest mobile and online payments platform since 2014, and Simon catches up with Edward Budd, Managing Director and Chief Digital Officer of Global Transaction Banking at Deutsche Bank. Rita tells us about the European expansion of Alipay, and the innovations in fintech coming from China and the Asian market; and some of the new, cool initiatives from Ant Financial and Alipay, including carbon saving monitoring, (e.g. paperless payments), resulting in Alipay planting trees once you reach a certain threshold. She also explains Alipay’s ethos in relation to testing and creating new products at scale, and partnerships with retailers to grow Alipay’s use and exposure in Europe. Edward Budd tells Simon about Deutsche Bank’s digital trade opportunities, opening up the market for new clients, and new market segments. Their particular focus currently is on small business owners and international trade between them, drawing on collaboration between multiple banks to serve an existing but underserved segment to help improve the dedicated financial services for this sector. Edward goes onto explain how experimentation is important to Deutsche bank, and changing up traditional business model from the top down to change culture and leadership in order to innovate. Find out more from Rita at Alipay.com, connect with her on LinkedIn, or follow her on Twitter. Learn more about Edward by: DB.com or connect with him on LinkedIn. We hope you’re enjoying FinTech Insider – don’t forget to tell a friend about us and please leave us a review on iTunes. The post Ep. 273. Interviews – Rita Liu & Edward Budd appeared first on 11:FS. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: We bring you the highlights from last week’s amazing event at Money20/20 Europe in beautiful Copenhagen. We caught up with some fascinating guests, speakers and interviewees including: Derek White from BBVA speaking to Simon about open platforms, APIs and customer input in development of new products; Jason interviews Andrew and Tac from JCB International; and Bill Gajda, SVP at VISA announcing their partnership with Klarna; and Simon catches up with Bianca Lopes, SVP of BioConnect, about data privacy, online identification and online reputation management. Next up, Simon chats to Aaron Phethean from Temenos about their software, marketplace partnerships and scalability with fintechs and incumbents; followed by Eugene Danilkis the CEO of Mambu, the SaaS banking software provider. David interviews Don Ginsel, the founder of Holland Fintech, ahead of Money20/2o Europe going to Amsterdam next year; and finally Meaghan talks to Lav Odorović, CEO of Penta. Guests: Derek White – Creating, BBVA Andrew Doukanaris – SVP, Sales & Marketing, JCB International (Europe) Ltd Tac Watanabe – EVP, Brand Infrastructure & Technologies, JCB Co., Ltd. Bill Gajda – SVP, Innovation and Strategic Partnerships at Visa Bianca Lopes – Vice President Business Development & Strategic Marketing, BioConnect Aaron Phethean – MarketPlace Director at Temenos Eugene Danilkis – Co-Founder & CEO at Mambu Don Ginsel – Founder, Holland Fintech Lav Odorović – Co-founder & CEO, Penta Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep. 272. Insights: Money20/20 Europe, Part 1 appeared first on 11:FS. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode We bring you our first ever live podcast, recorded in front of a live audience at Money20/20 Europe, Copenhagen. With all four of our regular hosts, David Brear, Jason Bates, Simon Taylor and Chris Skinner, plus six fantastic guests from the world of fintech and banking (and previous podcasts), they discuss the latest news and stories with additional audience interaction, including: Goldman Sachs’ lending business hitting its first $1bn mark, is this a good thing or is it old news?, the pros and cons of card use and card readers vs smartphone points of sale – as pioneered by Jack Dorsey’s Square; and the merits of Will.i.am as an advisor to Atom Bank and personification of their market sector, which opens up discussion of who other banks would be if they were a pop star. We also hear Starling’s own Megan Cawood on their European expansion and Simon and Ajit lead the audience into a cryptocurrency Q&A explaining the Ethereum “flash crash” and what this means for Ethereum’s future, and cryptocurrency in general, and they attempt to address the same old question: is it a bubble, should I hold or sell? Guests Ali Patterson – Editor in Chief, FinTech Finance Leda Glyptis – Chief Innovation Officer, Qatar National Bank Meaghan Johnson – Co-founder and Director of Research at 11:FS Jamie Campbell – Head of Awareness at Bud Ajit Tripathi – Director, Fintech and Digital Banking, PWC Megan Caywood – Chief Platform Officer, Starling Bank News this week Business Insider – Goldman Sachs’ new online lending business has already hit a $1 billion milestone – Link Financial Review – Square gets green light to take on banks with ‘PIN on glass’ mobile technology – Link Tech City News -Will.i.am reveals why he became an advisor to UK FinTech startup Atom Bank – Link Venture Beat – Stripe refocuses European effort with 6 new markets and expanded payments platform – Link Tech Crunch – Starling Bank passports to Europe, first stop Ireland – Link CNBC – Despite $319 to 10 cents flash crash, ethereum still has massive potential, says digital currency expert – Link Techcrunch – Coinbase is reimbursing losses caused by the Ethereum flash crash – Link Bloomberg – Jack Ma’s Ant Financial Nearly Doubles Profits Amid Deal Push – Link The post Ep. 271. News: LIVE from Money20/20 Europe appeared first on 11:FS. Learn more about your ad choices. Visit megaphone.fm/adchoices