Fintech Insider Podcast by 11:FS

Jason Bates meets Toby Triebel, CEO for Europe of Wealthsimple, a leading innovative software company. ] They discuss Toby's background, how he got into fintech and finance, and introduces us to Wealth Simple for those who might not know. They only started in September 2014 and have come a long way since then - $1bn (CAD) in AUM as of May 2017 - we ask how they scaled up so fast? They also discuss Wealthsimple's accomplishments being Canada’s first robo advisor in the space, and the challenges and impact this had, in addition to having real, human advisors on hand via phone, text, email or video call, to give advice - and is this at odds with their business model of fast, digital investment? Toby tells us all. He also talks about their hugely successful social media marketing campaign with their Wealthsimple Money Diaries, using celebrity stories to open up conversations around money and finance. Jason also asks the gritty questions about how they acquire customers, what their customer base looks like, and how they make money, their partnership with Mint and the importance of ethical investment to themselves and their customers. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at [email protected] or on Twitter @FintechInsiders and follow us on Facebook. Special Guest: Toby Triebel. Learn more about your ad choices. Visit megaphone.fm/adchoices

Merry Christmas and Season's Greetings to all our listeners and thank you for your support over the last year as Fintech Insider has gone from strength to strength. As this episode airs on Christmas Day we thought we'd give the gift of the best bloopers from over the last year on the show, featuring David Brear, Jason Bates, Simon Taylor and guests. Enjoy! Thanks to all our guests over the last year, and thank you for listening. Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at [email protected] or on Twitter @FintechInsiders and follow us on Facebook. Learn more about your ad choices. Visit megaphone.fm/adchoices

David, Nigel and Sarah visit Aviva's Digital Garage for InsurTech Insider's very first takeover show! Recorded from Aviva's offices, the team were joined by Claire Woodcock – Digital Strategy Lead for Digital Product and Design; Anna Stables – Digital Innovation Manager; Alex Allen – Senior Digital Innovation Manager and Colin Richardson – Co-Founder & Head of Marketing at Cocoon for a roundtable discussion of all things Aviva! We kick off with a run through of what Aviva does and in particular the digital garage, their take on the insurance industry at present and how innovation is beginning to take off, and what that looks like for Aviva. They also tell us about the Founders Factory, the digital garage culture and adapting to customer expectations as the industry shifts and changes. They conclude with looking ahead to 2018 and what that will look like for Aviva and the team. It was great fun hosting this show from Aviva's Digital Garage, - don't forget if you enjoy the show to subscribe so you never miss an episode and leave us a review on iTunes. If you want to get in touch, reach out to us on Twitter @InstechInsiders or email [email protected]. Special Guests: Alex Allen, Anna Stables, Claire Woodcock, Colin Richardson , Nigel Walsh, and Sarah Kocianski. Learn more about your ad choices. Visit megaphone.fm/adchoices

It's nearly the end of the year and we're knee-deep in good tidings. So here's a dollop of festive fintech cheer - the third installment of our special live show, After Dark, and it's the Christmas Special, recorded live at our offices in WeWork, London! Simon and the guys steer us through the top news stories from 2017 - and what a year it's been! - with help from an expert panel and an all-star cast. First up it's January (who knew?) and Nigel Walsh, Partner at Deloitte, helps talk us through the amazing story of insurtech startup Lemonade. Into February, and Co-op Bank is up for sale. March saw a deluge of fintech and challenger bank outages, while April saw Will.i.am join Atom Bank. Alexa Fernandez, Director of Fintech Partnerships at BBVA talks us through the launch of BBVA's open banking business in May, and 'Girl, interrupted' Liz Lumley discusses the Dodd Frank repeal in June. Listen in to hear what we covered for the second half of the year, with help from Hugo Cornejo - Head of Design at Monzo; Ben Chisell - Product Director at Starling Bank; Valentina Kristensen - Head of PR and Marketing at OakNorth; Richard Davies - Commercial Banking Director at TSB; Vic Arulchandran - COO at Nivaura; and Chad West - Head of Global Brand & Communications at Revolut. Plus, Nigel makes Christmas dad jokes; a man in a pink unicorn onesie; Chris calls Simon a hipster; and much, much more. Thanks to everyone who came on the night - we couldn't have done it without you. Hope you enjoy the show and don't forget to leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guests: Alexa Fernandez, Ben Chisell, Chad West, Hugo Cornejo, Leda Glyptis, Liz Lumley, Nigel Walsh, Richard Davies, Sarah Kocianski, Valentina Kristensen, and Vic Arulchandran. Links: Starling Bank launches Marketplace, integrates with itemised receipt and rewards startup Flux | TechCrunch FinTech Insider News Who Needs a CSD? Nivaura to Issue First Regulated Bond in Ethereum Revolut Launches Easiest & Fastest way to Buy Cryptocurrency Harrods Bank sold to digital challenger Tandem Monzo's current account is finally here, is it any good? Bill to Erase Some Dodd-Frank Banking Rules Passes in House BBVA launches open banking business Atom, UK's first mobile-based bank announces will.i.am as strategic board advisor Monzo, Revolut and more down: Half a dozen fintech firms hit by outage due to card processor issue Co-op Bank is up for sale – is it time to leave? Lemonade Sets New World Record Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, Sam's joined by Rahmi Serageldin, co-founder & CEO of Honeyfi; Rob Frohwein, CEO & co-founder of Kabbage; Matt Potere, CEO of Sunlight Financial; and Alexandra Villarreal O’Rourke, Financial Services Partner and FinTech Practice Group Co-Leader at McGuireWoods LLP. First up, the guys talk about the South East - why's Charlotte become the go-to location for fintech and what makes it such a vibrant community hub? Alex tells us about the Carolina Fintech Hub - a non-profit group that fosters fintech in the city. Plus, why regulatory and legal can be such big barriers to fintech startups. Is Atlanta the finance capital of the United states? Matt tells us about the Fintech Atlanta Taskforce, and why a lot people might not get what fintech really means. With three years of experience at the Consumer Financial Protection Bureau (CFPB), Alex gives her perspective on her time there, some of the recent changes and what they'll mean for the industry. Plus, the guys discuss how regulators can further encourage fintech startups, and why the picture differs so much internationally. Is it possible to follow the 'right and fair' approach to achieve good regulatory outcomes? We talk through the Equifax hack, and explain why firms should assume that the information they receive is compromised before thinking about how to validate it. And do governments need to take the lead on digital IDs? We look to 2018 - will the financial system look better for consumers? And if so, how? Sam asks whether some version of PSD2 will hit the US, how it will arrive and what the consequences will be. Plus, what can be learned from the European experience? And to finish up this week, what will the industry look like in two years' time? Enjoy the show! Spread the word, tell all your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at [email protected] or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Alexandra Villarreal O'Rourke, Matt Potere, Rahmi Serageldin, and Rob Frohwein. Learn more about your ad choices. Visit megaphone.fm/adchoices

First up this week, the guys tackle the news that Revolut is into crypto! Can they break down the divide between old and new money? And is it dangerous that retail investors have such simple access to cryptocurrencies? And, hot on the heels of Revolut, Square has been running a trial on Cash App, a rival to Venmo, that has allowed a small number of users to purchase bitcoin. Next up, the report on the overhaul of the core banking system. And, as we at 11:FS know only too well, what a task that is! So why is it that banks need help to do it and how can they mitigate the risks involved? The FCA has announced a successful third round of its regulatory sandbox, with 61 applications and 18 accepted into the next stage, including Curl, Bud, Nationwide and Orca. And in a surprising twist (?), the European Commission has announced that it has extended the deadline for banks to meet new payment standards. So what are the most controversial changes and when's the new deadline? We also bring you a special interview with New10 CEO Mark Schroder, who talks about their partnership with ABN AMRO and what it’s like to be a fintech grown within an incumbent bank. Plus, N26 has launched a premium credit card and Liz Lumley is not impressed ("this is not news"); why America might have missed the fintech boat in India; and we couldn't let the news pass without talking about CryptoKitties. Thanks to all our guests, and thank you for listening. Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at [email protected] or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Ghela Boskovich, Kadhim Shubber, Liz Lumley, and Sharon O'Dea. Links: Revolut officially announces expansion into cryptocurrency Square is unleashing crypto onto more of its user base THE CORE BANKING SYSTEM OVERHAULS REPORT: Why they're necessary, why most fail, and how to make them work FCA reveals next round of successful firms in its regulatory sandbox PSD2: Commission extends deadline for banks to meet new payment standards N26 launches a premium debit card for ‘the digital customer,’ partners with WeWork Why America could miss out big time on India’s fintech revolution Digital banking: a tough way to make money Danish homeless people now able to open bank accounts The ethereum world is now obsessed with breeding cartoon cats Learn more about your ad choices. Visit megaphone.fm/adchoices

This week Jason is joined by Edward Berks, Director of Banking, Fintech & Ecosystem at Xero; Clare Sheehan, Deputy Director of Making Tax Digital for Business at HMRC; Mags Laidlaw, accountant and Partner at Mazars; and Charlie Wood from Capco, representing the fintech angle. We discuss the changes that are coming for small businesses (SMBs), including the digitisation of tax. So how can SMBs keep up, and how can we raise the profile of the changes that are coming? We hear why the traditional role of accountants might be changing, and why we're still going to need them in future! Are professional services business models changing as a result of technology? And among all the change and progress, what will be the role of people and where can they really add value? How far are we really from a set of workable tax APIs? Clare explains what HMRC are doing to streamline the process of filing returns. And finally, what do SMBs have to look forward to in the coming years? We talk about the impact of PSD2, relationship management and where to find support. We hope you enjoy the show - don't forget to subscribe so you never miss an episode, and we'd also love it if you could leave us a review on iTunes! Get in touch at [email protected] or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Charlie Wood, Clare Sheehan, Edward Berks, and Margaret Laidlaw. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week's very special show was recorded live at a beach party in Helsinki (no, really), hosted by Finnish bank, OP. Jason, Simon and Sam bring you three shows in one, as we host an insights panel around the relationships between fintechs and incumbents in Scandianavia, the rise of fintech in the Nordics in particular, why payments are the most popular segment for disruption, and the rise of cashlessness in the region. The panel is made up of Finnish fintech experts, Antti-Jussi Suominen, CEO of Holvi; Jani Tierala, VP of Product at Zervant; banking and innovation expert, Marisol Menendez, Head of Innovation at BBVA and Jamie Campbell from growing UK fintech, Bud. We also have fantastic thought pieces from Mark Pettit from Visa, Jitendra Kavethekar from Accenture, and Tashi Sylten from Tink Technology as well as interviews with Tuomas Toivenen, co-founder of Holvi and our host for the evening, Kristian Luoma, Head of OP Lab and the reason we got the opportunity to put on this amazing show. It was an awesome party, complete with cocktails in coconuts, plenty of sand, an actual boat and Pineapple Pay! We were very privileged to be part of it. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes and make sure you check our YouTube channel for exclusive content. If you want to get in touch, drop us a line at [email protected] or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Antti-Jussi Suominen, Jamie Campbell, Jani Tierala, Jitendra Kavathekar, Kristian Luoma, Marisol Menendez, Mark Pettit, Tashi Sylten, and Tuomas Toivonen. Learn more about your ad choices. Visit megaphone.fm/adchoices

David is joined by Sarah Kocianski and James York to discuss insurance as a platform. First up, James talks us through the Worry+Peace origin story, including his background in insurance, and why he strove to not take funding as the company found its feet. He also talks about why insurance is a slightly unique market, and why that warrants a different approach. The guys take on the topic of "insurance as a platform" (with air quotes) - a "trifle of potential platforms". What is it and why has it come about? And if platforms are to take control of the customer relationship, what does that mean for the big players? Plus, as big insurers come to terms with the wealth of data at their disposal, how might they incorporate AI to change the way that data is used? And what's the role of the highstreet in the distribution of insurance? The guys talk discuss the structure of the insurance industry, and why the platform plays the good cop while the underwriter plays the bad cop. Onto the news, where we tackle whether the insurance gap penalises poor households, whether big insurers are ready for the General Data Protection Regulation (GDPR), and why Amazon might pose a very real threat to incumbents. And finally, a guest appearance from Simon Taylor as he talks to Sascha Wischek, founder and CEO of Fjuul, an app-based fitness tool, about fitness tools, Fjuul points and the power of customer data to drive healthy outcomes. Enjoying InsurTech Insider? Tell a friend about us, get in touch at [email protected] or on Twitter @InstechInsiders, and please leave us a review on iTunes. Special Guests: James York, Sarah Kocianski, and Sascha Wischek. Links: Insurance gap penalises poor households Insurers warned to assess data exposures ahead of GDPR Amazon could pose a “huge threat” to insurers – Guidewire chief exec Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ali Paterson, Editor of Fintech Finance; Valentina Kristensen, Head of Marketing & PR at Oak North; & Tanya Andreasyan, Editor of Banking Technology join hosts David, Jason and Simon to discuss the last week's news including: Uber's data hack and alleged payoff to the hackers to delete the data; BBVA's iris scanner for mobile phone security which opens up a debate about biometrics and security overall; and as Garmin kick off contactless payments in their watches, it kicks off in the room about card payments vs smart payments, Jason is adamant that card payments are not broken and vetoes similar stories in future. Also, as Tencent's valuation overtakes Facebook for the first time, they discuss the contest between Tencent and Alibaba as well as its competition around the world - is Tencent a threat to the west? They also take on the Revolut founder's latest statements around how he hires and his expectations in the work place - causing a diatribe from Valentina attacking these sentiments that earns a round of applause in the room. They also cover: EU Passporting as Starling is accepted into the EU payments system, Barnier says Brexit could cause UK banks to lose their passports, Atom's latest fund raising and Curve makes its bank cards available to all. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at [email protected] or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Ali Paterson, Tanya Andreasyan, and Valentina Kristensen. Links: Uber Concealed Cyberattack That Exposed 57 Million People’s Data BBVA to Launch Mobile Iris Scanner Through Partnership With Samsung Garmin Goes Live with Contactless Payment Feature for Latest Smartwatch Tencent on global path as it surpasses Facebook in valuation EU’s Barnier Says Brexit Means Banks Lose EU Passporting Starling takes the challenger fight to big banks with European and wholesale push Digital challenger Atom Bank is seeking to raise millions more funding from investors, including BBVA, Woodford and Toscafund Our culture is 'about getting s**t done': The Revolut founder on why his people work 12-13 hours a day Thank You Fintech Insider Listeners! | Huel Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, David is joined by Andy Ellis, Head of Strategy & Innovation at RBS; Tunde Olanrewaju, Senior Partner at McKinsey; and Peter Ryan-Bell, Head of Sector and Specialist Businesses at RBS, recording live from the Tavern Stand at Lords Cricket Ground to talk about new ways of working. The guys discuss how working practices are changing, and the things they're having to do to keep up, and the impact this has had on partnerships. What are the best hiring practices and how can you build the best team possible? As the narrative has shifted to big firms that want a more digital and agile workforce, how can this be achieved with a workforce of tens of thousands? Plus, what's the changing nature of procurement and what's the importance of collaboration styles? And of course, we ask the million dollar question - how can firms make innovation an integral part of the way they work? We also learn about "fin-ology" and why it's important in the modern workplace. Plus, how to foster a decision-making culture and how a "free to think" session might help move your team forwards. We hope you enjoy the show - don't forget to subscribe so you never miss an episode, and we'd also love it if you could leave us a review on iTunes! Get in touch at [email protected] or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Andrew Ellis, Peter Ryan-Bell, and Tunde Olanrewaju. Learn more about your ad choices. Visit megaphone.fm/adchoices

In our first all female episode, Sarah Kocianski takes the lead alongside Fiserv's Anna Bennett, Bud's Nina Mohanty, Girl Disrupted Liz Lumley and Innovate Finance's Sophie Winwood, to go through the top stories from the world of fintech and financial services in the last seven days. Kicking off with the US' first new payment system in 40 years that seemed slightly underwhelming, especially when compared with Alibaba's spending record on China's Singles Day. They also take on the new AI chatbot from Standard Chartered and whether or not the Apple FaceID hack was or wasn't a hoax, and are bankers right to feel sorry for millennials - and what are they going to do about it if they are? They also discuss Zimbabwe's lack of currency and huge bitcoin surges following the deposition of Robert Mugabe, a new bank card for spending bitcoin and ethereum; how banks such as Monzo stand to make money in the wake of open banking - and finally is it right that David Davis has promised bankers special travel rights in the wake of Brexit? Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at [email protected] or on Twitter @FintechInsiders and follow us on Facebook. Special Guests: Anna Bennett, Liz Lumley, Nina Mohanty, Sarah Kocianski, and Sophie Winwood. Links: U.S. banks speed up with first new payment system in 40 years Alibaba’s single day sets record with $8.4bn spent in first hour. AI chatbot to handle customer queries at Standard Chartered from next year Credit Suisse Says It's Time to Feel Sorry for the Millennials - Bloomberg Zimbabwe Doesn’t Have Its Own Currency and Bitcoin Is Surging London Block Exchange launches prepaid cryptocurrency debit card - Business Insider Monzo's Tom Blomfield on profiting from Open Banking David Davis discusses Brexit and the City of London - Business Insider Learn more about your ad choices. Visit megaphone.fm/adchoices

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