Fintech Insider Podcast by 11:FS

AI is a massive subject that's been so spun out by marketing, consultancies, and project proposals as a cure all that it's become difficult to understand what it actually is. To start things off we define what AI really is so you know your AI fact from fiction, then we move on to how AI has developed from simple 'if and then' statements into the powerful applications of Machine Learning. We interview Charlie Wood, Principal Consultant at Capco to get an inside look at what's going on in the AI space. He helps break down the myth behind AI and how it's being used today. We also speak to Scott Seely, Principal Solutions Architect at Microsoft to break down how Computer Vision relates to AI and how advanced image recognition capabilities are becoming as well as where chatbots are becoming reliable with language recognition. We also take a look at where AI is being applied in complex use cases and how skeptical experts are about AIs ability to make you money. Then we take a look at what's going on with AI in financial firms, why AI experts don't want to move into financial services and what needs to be done to make AI a useful product for banks in the future. This episode was written by Petrit Berisha & Sarah Kocianski. Produced by Petrit Berisha & Laura Watkins. Edited by Holly Blaxill & Michael Bailey. Hosted by Sarah Kocianski. Debunking the myth of AI was brought to you by Microsoft Azure. If you’d like to find out more how they could help you out leverage your existing systems for much more head on over to microsoft.11fs.com Special Guests: Charlie Wood and Scott Seely. Sponsored By: Microsoft Azure Learn more about your ad choices. Visit megaphone.fm/adchoices

Some people think it's lucky to be able to make decisions, but Howard Lindzon doesn't see things that way. It's about practice, not being paralysed by indecision and limiting your options to two positive outcomes and then picking the one that you're able to live with. You've gotta keep moving forward and to keep everyone around you motivated and wanting to move forward. CEOs are vital to the nature of a startup, they need to be able to pull their company in the direction they want to grow in as fast as they can and keep everyone who's with them excited and interested. Sam and Howard also discuss how not everyone can be a great CEO but that isn't a bad thing. The world needs great second-in-commands and people all down the hierarchy, without them there'd be no companies. Being a CEO means being a great recruiter and communicator in addition to raising money. You can't just be good at one of them, all three are vital to being a CEO. It's important to ensure staff know what you need them to be doing, when, and most importantly, why. Angel investors are focused on creating the best possible team for the company, finding the specialists who are capable of operating in the space like a scalpel because they know what they're good at, how to do it, and are solely focused on getting their tasks done. And most importantly, trusting the others to achieve what they need to do too. We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider on Twitter or Facebook. If you really loved it, please leave us a review, we love reading them! This episode was produced by Ollie Judge and edited by Michael Bailey. Special Guest: Howard Lindzon. Learn more about your ad choices. Visit megaphone.fm/adchoices

Sarah and Simon sit down with Editor in Chief of Computer Weekly, Bryan Glick, Business Development at Bud, Nina Mohanty, and 11:FS Pulse Analyst, James Safford. The panel discuss the latest news hitting the fintech space this week, including: Google Pay rolls out support for peer-to-peer payments and mobile ticketing, Zimbabwe's eco-cash two day crash exposes the vulnerabilities of going cashless, MasterCard suffering a glitch to Faster Payments with many payments delayed, TSB customers suffer yet again after an app update locked out users; Nordnet fire AI assistant Amelia after a poor performance review, Neobank Space was made in just 8 months, Open Banking is 6 months old and what it's achieved. And finally, of course, death is no reason for breaking the rules according to Paypal. All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode, leave a review on iTunes and every other podcast app. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com This week's episode was produced by Laura Watkins and edited by Michael Bailey. Special Guests: Bryan Glick, James Safford, and Nina Mohanty. Learn more about your ad choices. Visit megaphone.fm/adchoices

COBOL is a programming language that was ubiquitous to the programming world around 60 years ago. It's since been replaced by newer and more useful languages. Unfortunately, COBOL still underpins a great deal of the banking technology in the world, but no-one's trained in it. This has left to a rise in the number of 60-80 year olds who have come out of retirement to maintain the modern banking world. Cowboys who can do what they want because they're the ones maintaining current banking technology. We take a look at what happened to lead us to this point and interview Ewan Silver, CTO of 11:FS to shed some light on the issue. Next up we interview Scott Seely, Principal Solutions Architect at Microsoft. He runs us through the complex process of untangling legacy systems to work with new technology and hopefully escape the COBOL cowboys. People are the main sticking point here, so Microsoft have come up with an ingenious solution to enable the financial industry to work with legacy systems while still engaging with the most modern technology and making APIs a much smaller sticking point by extending legacy systems out to them. We also take a look at the AI problem. It's no secret that the industry has been going wrong with AI for a while now, using it in meetings to get budgets approved or used as a distance promise of results when numbers are flagging. We examine where the industry is making mistakes with AI. This episode was written by Ollie Judge. Produced by Petrit Berisha & Laura Watkins. Edited by Holly Blaxill and hosted by Simon Taylor. Legacy to Cloud was brought to you by Microsoft Azure. If you’d like to find out more how they could help you out leverage your existing systems for much more head on over to microsoft.11fs.com Special Guests: Charlie Wood, Ewan Silver, and Scott Seely. Sponsored By: Microsoft Azure Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Today's insights show brings together how everything in the UK fintech space is working together to improve the industry. We want to talk about how the whole nation can start talking about fintech, share knowledge, and work together in unity. But is it even possible in a nation with such strong individual identities? Fantastic insights are given by fintech experts who are working across the UK to bring fintech to those who need it most: Greg Michel, Fintech Lead at Tech Nation John Glen, MP & Economic Secretary to the Treasury Deb Harding, Head of Engagement in Financial Services for the Welsh Government Ben Brabyn, CEO, Level 39 Chris Pond, Vice-Chair, Financial Inclusion Commission Katia Lang, CEO, The Fintech TImes Martin Cook, General Counsel at Funding Circle and founding member of the Fintech Delivery Panel Paul Rippon, Co-founder, Monzo Jon Bradford, Founding partner, Motive Partners Wendy Jephson, Co-founder & Chief Behavioural Specialist, Nasdaq Sybenetix Lisa Wood, CMO, Atom Bank We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider on Twitter or Facebook. If you really loved it, please leave us a review, we love reading them! Special Guests: Anna Wallace, Ben Brabyn, Chris Pond, Debs Harding, Gregoire Michel, John Glen, Jon Bradford, Katia Lang, Lisa Wood, Martin Cook, Paul Rippon, and Wendy Jephson. Sponsored By: Tech Nation: Tech Nation believes the UK is the best place in the world to start and grow a digital business.Tech Nation is expanding their network of growth programmes, events, skills and data resources to reach all corners and clusters of the UK. Their newly launched Fintech programme is aimed at company founders. Through a 24 hour induction, series of in-depth learning sessions, networking events and a three-day international showcase trip, you'll become part of the very first Tech Nation Fintech cohort. Insights sessions will be delivered by some of the most established fintech entrepreneurs, investors and partners, who will cover topics such as regulation, partnering with banks and expanding internationally. Find out more here: https://technation.io/programmes/fintech/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Simon sits down with Freddy Kelly, Veronique Barbosa, Tanya Andreasyan, and Philip Clarke to discuss the latest news hitting the fintech space this week. Including: Amazon teaming up with American Express for SMBs, Nationwide launch their fintech fund, and Goldman Sachs predict the world cup final. We also have a few great interviews with Emma Huntington from Nationwide, Nick Katz, CEO of Acasa, Harry Keen, CEO of Hazy, and Brian Barnes the CEO of M1 Finance. All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode, leave a review on iTunes and every other podcast app. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Brian Barnes, Doug Bobenhouse, Emma Huntington, Freddy Kelly, Harry Keen, Nick Katz, Ollie Judge, Philip Clarke, Tanya Andreasyan, and Veronique Barbosa. Links: American Express has deal to offer Amazon credit card Fintech friends: Monzo partners with TransferWise for international payments Venmo Launches A Debit Card | PYMNTS.com BBVA trials facial recognition payments Credit Karma CEO Ken Lin says autonomous money will be here in five years UK financial entrepreneur Anthony Thomson is launching a new digital bank in Australia | Business Insider Nationwide launches £50m fintech fund Alexa, I can trust you with my checkbook, right? Banks start to offer services through virtual assistants, smart speakers Introducing M1 Borrow | M1 Finance World Cup final showdown between England and Brazil, Goldman Sachs says - Business Insider Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's insights show shines a light on how fintech is making the world a better place. We want to talk about what makes the UK fintech scene so useful for solving real problems that affect the lives of so many people. We’re going to be taking a look at how customer-centricity helps fintechs cater better to their customers to ensure they have access to better services, and the impact financial education can have on financial inclusion and literacy. Fantastic insights are given by fintech experts who are working across the UK to bring fintech to those who need it most: Greg Michel, Fintech Lead at Tech Nation Anish Kapoor, CEO of AccessPay Jonathan Hollow, Head of Financial Capability, Strategy and Innovation at the Money Advice Service. Richard Theo, CEO and founder of Wealthify Stephen Ingledew, CEO of Fintech Scotland Dr Sue Black, OBE Virraj Jatania, CEO and founder of Pockit We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider on Twitter or Facebook. If you really loved it, please leave us a review, we love reading them! Special Guests: Anish Kapoor, Dr. Sue Black, Gregoire Michel, Jonathan Hollow, Richard Theo, Stephen Ingledew, and Virraj Jatania. Sponsored By: Tech Nation: Tech Nation believes the UK is the best place in the world to start and grow a digital business.Tech Nation is expanding their network of growth programmes, events, skills and data resources to reach all corners and clusters of the UK. Their newly launched Fintech programme is aimed at company founders. Through a 24 hour induction, series of in-depth learning sessions, networking events and a three-day international showcase trip, you'll become part of the very first Tech Nation Fintech cohort. Insights sessions will be delivered by some of the most established fintech entrepreneurs, investors and partners, who will cover topics such as regulation, partnering with banks and expanding internationally. Find out more here: https://technation.io/programmes/fintech/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Simon and David sit down with Romi, Megan and Dave to discuss the intriguing and interesting stories from the fintech world this week, including: CYBG buys Virgin Money, Visa's broken switch, and Starling launches joint accounts. Simon also has a quick interview with Francisco Carvalho Araújo, Product Manager at Monzo to learn all about Monzo Web. All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode, leave a review on iTunes and every other podcast app. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Dave Cunningham, Francisco Carvalho Araújo, Megan Cooper, and Romi Savova. Links: Virgin Money bought by CYBG for £1.7bn Visa’s European outage blamed on ‘very rare’ broken switch Square obtains NY State cryptocurrency license | Reuters Monzo – Access your account in an emergency with Monzo Web RESOLVED: No More Cash Advance Fees For Curve / Tesco Bank Customers - Travel Hacking Tutor Brex picks up $57M to build an easy credit card for startups Lenders warn buyers are being refused mortgages due to bank statement banter Akon launching cryptocurrency called Akoin to help African economy Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's insights show shines a light on what makes the UK fintech scene so unique. Fantastic insights are given by fintech experts who are working across the UK and influencing regulation in the fintech space: Frank Jan Risseeuw, CEO of Yolt Greg Michel, Fintech Lead at Tech Nation John Glen, MP Rajesh Agrawal, Deputy Mayor of London Eileen Burbidge, Chair at Tech Nation and Partner at Passion Capital Anthony Lesoismier, CSO and Co-founder at Swissborg Vince Howard, Head of Marketing at Swissborg We want to talk about what makes the UK fintech scene the home of so many success stories. We’re going to be taking a look at the unique UK regulatory environment and why so many international players are keen to come to the country to invest in fintech. We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider on Twitter or Facebook. If you really loved it, please leave us a review, we love reading them! Special Guests: Anthony Lesoismier, Eileen Burbidge, Frank Jan Risseeuw , Gregoire Michel, John Glen, Rajesh Agrawal, and Vince Howard. Sponsored By: Tech Nation: Tech Nation believes the UK is the best place in the world to start and grow a digital business.Tech Nation is expanding their network of growth programmes, events, skills and data resources to reach all corners and clusters of the UK. Their newly launched Fintech programme is aimed at company founders. Through a 24 hour induction, series of in-depth learning sessions, networking events and a three-day international showcase trip, you'll become part of the very first Tech Nation Fintech cohort. Insights sessions will be delivered by some of the most established fintech entrepreneurs, investors and partners, who will cover topics such as regulation, partnering with banks and expanding internationally. Find out more here: https://technation.io/programmes/fintech/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Sarah and Ross sit down with James and Lisa and go over some of the weird and wonderful stories from the fintech world, including: SCB applying for a licence, Monzo's new IFTTT, and Danske bank attempts to predict the world cup. All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode, leave a review on iTunes and every other podcast app. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: James Safford and Lisa Matzi. Links: Standard Chartered says it will apply to operate a virtual bank in Hong Kong | South China Morning Post HSBC to invest $15-17 billion by 2020 in push for growth | Reuters Adyen Doubles in Debut in Year's Biggest European Tech IPO - Bloomberg Buy UK Shares Without Paying Stamp Duty Through eToro World's first smart bank? Monzo release IFTTT integration. - 11:FS Starling Bank introduces gambling blocker tech TransferWise’s next partnership could be with U.K. challenger bank Monzo | TechCrunch N26 launches a revised metal card | TechCrunch World Cup – FinTech Futures Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's insights show shines a light on the regional fintech spaces across the UK. Fantastic insights are given by fintech experts who are working successfully outside of London and making waves in the fintech space: Lisa Wood, CMO at Atom, the challenger bank based in Durham, in North East England Chris Sier, Fintech Envoy for the North of England James Varga, CEO and Co-founder of the ID Company, based in Edinburgh Richard Theo, CEO and Co-founder of Wealthify, based in Cardiff, and newly appointed Fintech Envoy for Wales Virraj Jatania, CEO and founder of Pockit Paul Rippon, Deputy CEO at Monzo We want to burst the London fintech bubble and talk about UK fintech successes across the whole country. We’re going to be taking a look at the under the radar success stories across the UK, particularly those outside of the behemoth of the London bubble. We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider on Twitter or Facebook. If you really loved it, please leave us a review, we love reading them! Special Guests: Chris Sier, Gregoire Michel, James Varga, Lisa Wood, Paul Rippon, Richard Theo, and Virraj Jatania. Sponsored By: Tech Nation: Tech Nation believes the UK is the best place in the world to start and grow a digital business.Tech Nation is expanding their network of growth programmes, events, skills and data resources to reach all corners and clusters of the UK. Their newly launched Fintech programme is aimed at company founders. Through a 24 hour induction, series of in-depth learning sessions, networking events and a three-day international showcase trip, you'll become part of the very first Tech Nation Fintech cohort. Insights sessions will be delivered by some of the most established fintech entrepreneurs, investors and partners, who will cover topics such as regulation, partnering with banks and expanding internationally. Find out more here: https://technation.io/programmes/fintech/ Learn more about your ad choices. Visit megaphone.fm/adchoices

David Simon and Sam are live on the main stage at Money 20/20 covering the latest and greatest in news across the fintech world. Joined by those at the cutting edge of all things fintech, Leda Glyptis, Rob Frohwein, Anna Irrera and Peter Hazou. It's a different show from usual with our guests coming on in pairs. First up are Leda and Rob to share their views on what's going on in Europe. Kicking things off, European payments seemingly ground to a halt when Visa suffered a system failure over the past week. The panel have an interesting take on the issue, it is a payments conference after all. Next up, Kabbage competes with PayPal. Luckily we have the Kabbage CEO on-hand to give us some absolute insight into what's going on there. Finishing up this section, the panel discuss the (un)surprising revelation that Millennials trust tech companies over banks when it comes to personal data. Our two lovely guests have to leave us but we have two equally brilliant ones in the form of Sara and Jeff, ready to let us know their take on the latest blockchain news. It's been a weird one for blockchain with the world's largest shipping firm, Maersk, now tracking cargo using blockchain. Maersk is planning to use the technology to fight fraud and reduce paperwork. Binance are planning to create a $1BN investment fund, but with a dead ICO how did they manage to raise $7BN this year? Next up we have two of the finest fintech minds in the form of Anna Irrera and Peter Hazou to round up the last of the big news stories in fintech this week. Starling has flown the nest after receiving £80M in funding and splitting from Transferwise, the general thinking is the capital increase is to bid for a share of the Capability and Innovation fund set up by RBS following the banking crisis. Next the panel talk about customer service. Surveys show that UK digital challengers are beating high-street banks on customer satisfaction. Although apparently high-street banks are doing a few things better. We also take a look at Citi and just why they're crushing the competition in investment in US fintech. All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode and leave a review on iTunes. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Anna Irrera, Jeff Tijssen, Leda Glyptis, Peter Hazou, Rob Frohwein, and Sara Feenan. Links: Visa says service returning to normal - BBC News Kabbage To Enter The Payments Processing Space, Will Compete With PayPal And Square RFI Group: Millennial Brits trust Amazon, PayPal over banks - Business Insider The World's Largest Shipping Firm Now Tracks Cargo on Blockchain - CoinDesk Binance, the world’s largest crypto exchange, plans $1 billion investment fund | TechCrunch Starling Bank raising another £80M, ends partnership with TransferWise | TechCrunch UK digital challengers beating high street banks on customer satisfaction Citi spends more on tech than all VC investment in US fintech John McAfee Announces Crypto-Backed ‘Fiat’ Currency Redeemable for Face Time With Him Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's insights show lifts the lid on the pain of SMB Banking as Sarah Kocianski guides us through the three biggest SMB Banking pain points: opening an account, getting a loan, and making and receiving payments. Fantastic insights are given by small business owners and experts in this sector who give first hand accounts of their own frustrations: Paul Bulpitt - Head of Accounting at Xero and founder of Wow Company Sam Booth - CEO of Just After Midnight Oren Greenberg - Digital Marketing Manager at Kurve, There are approximately 5.7m SMBs in the UK right now, and they employ almost 16 million people. Together they turn over £1.8 trillion per year, which makes no small contribution to the UK economy and GDP. But why are they so badly served? Sarah endeavours to find out and to look towards the future of SMB Banking and what is going to improve. We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider on Twitter or Facebook. If you really loved it, please leave us a review, we love reading them! Special Guests: Oren Greenberg, Paul Bulpitt, and Sam Booth. Learn more about your ad choices. Visit megaphone.fm/adchoices

IFTTT (if this, then that) is the easy, free way to get your apps and devices working together. Now, Monzo have enabled IFTTT integration, David M Brear and Simon Vans-Colina discuss how this could be revolutionary for banking services! Special Guest: Simon Vans-Colina. Learn more about your ad choices. Visit megaphone.fm/adchoices

First up with some breaking news: UK banks will be forced to develop develop alerts for customers who may be about to slip into the red as well as a range of prompts and PFM tools that make it easier to keep on top of finances following a review by the Financial Conduct Authority into the high-cost credit market. Find out out what the gang had to say about this crazy bit of news! How much will this impact bank revenue? Next up, we delve deep into GDPR….I mean not as deep as we did in episode 220, but you get the jist! It’s talk of the town, we had to cover it. After discussing some GDPR fails, we had a chat about Google and PayPal teaming up! From Payments to banking, have Square stumbled their way into the banking world? How have they done this by accident? Now iZettle were in the news a fair bit the last few weeks, but can Ayden do what they couldn’t? They plan to go public... Over to China, Ant financial have raised even more billions! Find out What the team think of this one! From raising money, to saving money- RoosterMoney, the pocket money and chore tracking app that specialise in pocket money analytics and financial education advice for parents, can reveal that kids have been saving an impressive 24.9% of their pocket money so far this year. Adult households are only managing to save 5.3% of their income. And I know they’re not quite kids, but apparently 1 in 6 millennials has £100,000 in savings! Insane! Finally, Busking goes digital as street musicians across London are going to accept payments via contactless cards, wearable technology, chip and pin as well as the traditional cash Subscribe so you never miss an episode and leave a review on iTunes. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Caroline Plumb, Kirsty Grant, Ryan Edwards-Pritchard, and Will Carmichael. Learn more about your ad choices. Visit megaphone.fm/adchoices

The opaque nature of the credit world is scary, some might say Orwellian, but mostly just really confusing. You have to hand over your data, which is subsequently regurgitated into a number...where that number comes from is seemingly unclear. We speak to industry experts about the current state of credit scoring, and also where it will potentially go in the future. What is being done to avoid a black mirror-esque dystopia? What companies are becoming first movers in this space, to create a more transparent business models that actually help people in their daily lives. We also heard from the general public on their experiences with the credit system and why they find it unfair. The impact credit scoring has on people's lives is extraordinary- yet we're only seeing these business models starting to surface. Some would say it's a been a long time coming... Subscribe so you never miss an episode and leave a review on iTunes. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders or drop us a line via email [email protected] Special Guests: Aneesh Varma, Justin Basini, Ollie Judge, and Rishi Khosla. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this very special episode, David, Simon and Sarah bring you dome fantastic guests and fantastic insights on the subject of truly digital banking recorded live Temenos' TCF2018 event in Dublin. Co-hosted by Temenos' own Dharmesh Mistry, the team were joined by an international rotation of guests including: Niall Cameron - Global Head of Corporate and Institutional Digital at HSBC Mr Ahmed Alrefaie, COO of AL MASRAF Andrew Clouston - COO, VOLT Dan Dickinson - Chief Digital Officer at Equitable Bank (EQ Bank) Fred Cook - CIO, BlueShore Financial Manoj Bhoswani - Managing Director, Head of APAC Private Banking Technology to take on three key topics: The State of Digital; Changing Business Models and Customer-Centric Engagement. Not only that but there was a return of the Fintech Wall of Emoji, updated to a new and improved digital model, keep listening to see where some key trends and topics were placed. Subscribe so you never miss an episode and leave a review on iTunes. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and send us an email [email protected] Special Guests: Ahmed Alrefaie, Andrew Clouston, Dan Dickinson, Dharmesh Mistry, Fred Cook, Manoj Bhoswani, and Niall Cameron. Learn more about your ad choices. Visit megaphone.fm/adchoices

Did you know that you have a digital twin? Someone is the data version of yourself that lives and breathes the internet. The problem, in this digital world, is that Digital You leaves a digital footprint everywhere you go. Everywhere... Every app and tab you open, every T-shirt you buy online, every social media account you create, all leave a trail of data behind you. Now you might not think this is important, but have you ever wondered how it's being used. Why are companies like Facebook and Google gathering data about Digital You? Why is it so profitable for them? And if there's so much value at stake....why are we not offered anything in return for it? This is where GDPR steps in. It's power to the people: digital-style. Your inbox may have been flooded by a mixture of panicky, scary and funny emails asking you to read through some updated T's & C's for seemingly everything you've ever signed up to. They may reference something called GDPR, but what is this? How does it help us, the consumer, squeeze more value out of the apps and digital services we use? Ryan and Petrit take us on a data-filled journey, with a series of stories, as well insights from industry experts weaved in to make sure you don't get bored of their voices. Subscribe so you never miss an episode and leave a review on iTunes. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Frances Coyle, Jamie Smith, Jonathan Williams, Petrit Berisha, Ryan Garner, Simon Vans-Colina, and StJohn Deakins. Learn more about your ad choices. Visit megaphone.fm/adchoices

The first half of the show is dedicated to the Irish Funds London Alternative Investments Seminar where Pete sits down with Rupert Watson, the Head of Asset Allocation at Mercer, Emmett Kilduff, CEO and Founder of Eagle Alpha, and Breige Tinnelly, the Head of the UK business for AQMetrics. Next up is the panel at Calastone Connect London Forum, talking to Nigel Walsh, Partner at Deloitte as well as host of the InsurTech Insider podcast, Campbell Brierley, the Chief Innovation Officer at Calastone and Phil Clarke, Founder Partner at Hunch. All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode and leave a review on iTunes. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Breige Tinnelly, Campbell Brierley, Emmett Kilduff, Nigel Walsh, Pete Townsend, Philip Clarke, and Rupert Watson. Learn more about your ad choices. Visit megaphone.fm/adchoices

Laura Sarah and David sit down with Charlie Wood, Principal Consultant at Capco, and Simon Vans-Colina, Engineer at Monzo. Laura takes the panel through the latest interesting and in one case, bizarre, stories coming out from the fintech space. Including: Robinhood hits a bullseye, Monzo blocks gambling, and are Irish spies affecting mortgage brokers? All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode and leave a review on iTunes. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Charlie Wood and Simon Vans-Colina. Links: Santander to launch stand-alone UK digital bank HSBC’s new aggregator app was downloaded 13k times on the day it launched Robinhood scores $363m Series D Digital bank Monzo tackles gambling addiction head on Annual Fraudscape report reveals record number of identity frauds Irish bank caught in social media spying storm Britain’s first 100 per cent ‘born in the cloud’ bank celebrates Microsoft collaboration Morgan Stanley bets on Brazil’s fintech lending boom Volt Bank awarded Australia’s first new unrestricted banking license With less cash in circulation, Swedish thieves turn to wildlife trafficking Learn more about your ad choices. Visit megaphone.fm/adchoices

Sarah meets with Frederic Nze, CEO of Oakam, to discuss financial exclusion, doorstep lending, and the size of an almost hidden customerbase. We hope you enjoy the show! Don't forget to subscribe so you never miss an episode and if you really love us please leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guest: Frederic Nze. Learn more about your ad choices. Visit megaphone.fm/adchoices

David chats to Alison Rose, CEO, Commercial and Private Banking RBS at their offices in London. She tells us all about her background, how she got into financial servi es, why she stayed in banking for 25 years and how the industry is always changing and challenging her. She talks about the positives of disruption and how much there is to learn; why humility is important; and how best to help customers through the changes facing them. They also spoke about being a woman in the industry, how she is a role model and a pioneering woman in banking at the peak of her career - how does she do it? Why is it important to have female role models in this industry, how important it is to her to be seen as a good female role model; how she achieves a good work/life balance as a working mum, and why it's so important but also so hard to address the gender imbalance in the industry and how, in her view, it needs to be addressed at all levels, not just the top. We hope you enjoy the show! Don't forget to subscribe so you never miss an episode and if you really love us please leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guest: Alison Rose. Learn more about your ad choices. Visit megaphone.fm/adchoices

Sarah and Ross sit down with Daniel Hegarty, CEO and Co-Founder of Habito, and Nina Mohanty, Business Development at Bud. Sarah takes the panel through the latest interesting and divisive issues happening in the fintech space at the moment, including: Instagram's one stop shop, Microsoft's invoice innovation, and Google's uncanny AI. All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode and leave a review on iTunes. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Daniel Hegarty and Nina Mohanty. Links: Instagram quietly launches payments for commerce Microsoft Pay comes to Outlook, integrating Stripe, Braintree, Sage, Wave and more Google I/O: Listen in as Google’s AI assistant has phone conversations with real people - Recode iZettle to announce IPO plan early next week Klarna escalates its war on banks with a new consumer app - and upcoming payment card Virgin Money says CYBG has made takeover approach Facebook is launching a new team dedicated to the Blockchain. The Equifax security breach in 2017 was worse than we thought - Business Insider PayPal CEO Dan Schulman: In 20 Years "There Will Be No More Credit Cards" Google adds six new voices and John Legend to Assistant | TechCrunch Learn more about your ad choices. Visit megaphone.fm/adchoices

David meets with Group COO of HSBC, Andy Maguire to discuss: how digital banking is transforming the industry, HSBC's approach to innovation and fintechs, and how HSBC is reacting to blockchain. We hope you enjoy the show! Don't forget to subscribe so you never miss an episode and if you really love us please leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guest: Andy Maguire. Learn more about your ad choices. Visit megaphone.fm/adchoices

In back to back interviews, David first meets with the CMO of VaynerMedia, Jeff Nicholson to discuss how VaynerMedia's different marketing style, how to measure brand impact, and his unique journey to the height of the brand. Simon then sits down with Head of VaynerSmart Patrick Givens to talk about voice marketing, marketing on the Internet of Things, and the future of audio. We hope you enjoy the show! Don't forget to subscribe so you never miss an episode and if you really love us please leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guests: Jeff Nicholson and Patrick Givens. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ross and Sarah sit down with Sameer Gulati, Head of Policy and Regulation at Innovate Finance, Kathryn Harris, Innovation Lead at Lloyds, and James Hurley, Enterprise Editor at The Times. Ross takes the panel through the latest weird and wonderful stories from the fintech world, including: the number of fintechs set to double by 2030, Monese reach the Holy Grail of finance, and Australia's data falls off the back of a truck. All this and so much more on today's episode of Fintech Inisider! Subscribe so you never miss an episode and leave a review on iTunes. Share the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: James Hurley, Kathryn Harris, and Sameer Gulati. Links: Supporting UK FinTech: Accessing a Global Talent Pool How Monese, A Challenger Bank For European Migrants, Reached The Holy Grail Of Finance 11:Drive - Financial Inclusion and Why it's Necessary for Everyone - 11:FS Over half of women have never held an investment product Australia's Largest Bank Lost The Personal Financial Histories Of 12 Million Customers Baidu to offload majority stake in financial services unit Canada's stock market set to reopen after rare shutdown GreenSky defies downturn in online lending and files for IPO Subscribe to read BANKER BROS, BEWARE: There's a popular Instagram account mocking your 'Midtown Uniform' Learn more about your ad choices. Visit megaphone.fm/adchoices

Simon discusses the card outages in detail with Suresh Vaghjiani, including: what happened, how it was fixed, and what GPS have done to prevent it from ever happening again. Special Guest: Suresh Vaghjiani. Learn more about your ad choices. Visit megaphone.fm/adchoices

Simon and Ross sit down with Carrie Osman, CEO and founder of Cruxy, Ali Paterson, Editor of Fintech Finance, Amelie Arras, Marketing Director of Adastra Marketing, and Veronique Constans, Programme Manager at 11:FS. Ross takes the panel through the latest interesting and amusing stories from the fintech world, including: Global fintech funding hitting a record high, Revolut's unicorn valuation, Amazon's foray into blockchain and Cryptocurrency means funeral finance? All this and so much more on this episode of Fintech Inisider! Subscribe so you never miss an episode and leave a review on iTunes. Share the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Ali Paterson, Amélie Arras, Carrie Osman, and Veronique Constans. Links: Global fintech funding hits record $5.4bn in Q1 Digital banking startup Revolut raises $250M at a valuation of $1.7B – TechCrunch What does Revolut's Valuation Mean for the Rest of European Fintech? - 11:FS TransferWise launches multi-country bank account Wealthify joins Starling Bank’s Marketplace TSB admits its internet banking woes are not over Amazon’s new blockchain service competes with similar products from Oracle and IBM | TechCrunch World Bank Releases the Latest Global Findex Database Half of all Tube and rail pay-as-you-go journeys across London are now made using contactless payments Over a third of Brits think that 'cryptocurrency' refers to funeral finance Learn more about your ad choices. Visit megaphone.fm/adchoices

David met with the Deputy Mayor of London, Rajesh Agrawal to talk about how Brexit is set to affect the city, how to encourage entrepreneurship, and how the gender diversity needs to be encouraged to get all we can out of the talent pool. Special Guest: Rajesh Agrawal. Learn more about your ad choices. Visit megaphone.fm/adchoices

Simon asks Luke about the state of the US housing market today and how fintech is enabling 20 minute mortgage applications. Neat Capital also boasts the ability to bid offer and close on a home in two weeks. Then Simon met with Mutaz to discuss budgeting and saving in the digital economy and how to help customers from overspending. Go to survey.11fs.com to share your views. We hope you enjoy the show! Don't forget to subscribe so you never miss an episode and if you really love us please leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guests: Luke Johnson and Mutaz Qubbaj. Learn more about your ad choices. Visit megaphone.fm/adchoices

David and Sarah sit down with Lucy Woolfenden, Marketing Director at Yolt, Pol Navarro, Digital Innovation Director and Sarah meets with Alex Park, Digital Director at Metro Bank. Sarah takes the panel through the latest interesting and amusing stories from the fintech world, including Ant Financial’s $150 billion valuation, Revolut launching Vaults, and The One Where Ross Got Mistaken for a Banker. All this and so much more on this Monday episode of Fintech Insider! Go to survey.11fs.com to share your views. Subscribe so you never miss an episode and leave a review on iTunes. Share the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Alex Park, Lucy Woolfenden, and Pol Navarro. Links: Metro Bank to introduce AI-powered money management tool BBVA invests $50m in Chinese AI-focused fund Explainer: Ant Financial's $150 billion valuation, and the big recent bump-up Lloyds Banking Group to cut 305 jobs and close 49 branches across the UK as customers switch to digital banking Lloyds Bank | Banking with us | Mobile Branches An investor in iZettle and Wonga just raised $235 million to fund the next fintech unicorns Revolut launches spare change Vaults Demand for cash is increasing, not decreasing, in most countries TransferWise has become the first non-bank to connect to the Bank of England's payment systems The One Where Ross Got Mistaken for a Banker - BBC News Crypto YouTuber hacked out of $2 million during a livestream Iceland's Bitcoin heist suspect 'flees on PM's plane' Learn more about your ad choices. Visit megaphone.fm/adchoices

Sam and Doug sit down with Mike Sigal, VC at 500 Startups, Lisa Gansky, VC at Mosaic, Brit Morin, Founder and CEO of Brit + Co, Mark Jamison, Head of Innovation and Design at Visa, Kate Adamson, Head of Mortgage at Plaid, Tony Morosini, VP Banking at Sofi and Anatoly Kvitnitsky, Head of Growth at Trulioo. Sam takes the panel through the latest and greatest in news stories getting key insights into what's happening and what matters most. Including Mark Zuckerberg's appearance before Congress, Why nobody trusts Facebook, if equal pay is getting any closer and why Silicon Valley Stereotypes are just plain wrong. Guaranteed Fake News free and to teach you at least one thing you didn't already know! Subscribe so you never miss an episode, show us some love and leave a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Anatoly Kvitnitsky, Brit Morin, Doug Bobenhouse, Kate Adamson, Lisa Gansky, Mark Jamison, Mike Sigal, and Tony Morosini. Links: Zuckerberg struggles to name a single Facebook competitor - The Verge Facebook is the least-trusted major tech company - Recode How Squarespace Is Empowering Female Entrepreneurs This Equal Pay Day New research shows successful founders are far older than the Valley stereotype | TechCrunch Learn more about your ad choices. Visit megaphone.fm/adchoices

Sam starts the show by butchering the names of old friends, talking about the San Francisco housing crisis and if Frisco is a cool name for the city. The panel moves on to podcasts, pitches, the importance of story telling when it comes to brand, and how podcasts can change the world. After the break the panel discusses how to understand the way money works and how decentralised ledgers might have a much bigger impact in other parts of the world. All this and much much more on this episode of Fintech in a Flat. We hope you enjoyed the show! Subscribe so you never miss an episode, and if you want to show us some love then please leave a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Betsy McCormick, Jason Zaler, Michael Casey, Ollie Judge, and Sheel Mohnot. Links: San Francisco is so expensive people are leaving in droves - Business Insider Learn more about your ad choices. Visit megaphone.fm/adchoices

Sam and the panel discuss the very latest in fintech news. Kicking things off with the Facebook Cambridge Analytica scandal, Mark Zuckerberg's appearance before Congress, and that grown men need to stop being juvenilised. After a few bowls of home-cooked chilli the panel get back to the mics to talk about Equal Pay Day and how companies are trying to empower people to ask for the money they deserve. Diversity issues are discussed by Founders who come from various backgrounds who share what it's like starting up in the industry. We hope you enjoyed the show! Subscribe so you never miss an episode, and if you want to show us some love then please leave a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com Special Guests: Dan Macklin, Divine, John Waupsh, and Yuliya Tarasava. Links: Mark Zuckerberg goes to Washington. He can handle it. - Recode Kara Swisher: In Silicon Valley, ‘stop juvenilizing men’ - POLITICO Learn more about your ad choices. Visit megaphone.fm/adchoices

Our After Dark shows are always exciting and this one’s no different. In front of an amazing audience the panel kicks things off with Paypal’s new movements. M-Pesa wallet goes online thanks to a collaboration between Paypal and Safaricom. Meanwhile over in the USA, Paypal is making moves towards more traditional banking in a bid to connect those without bank accounts to the digital economy. Young coders might be avoiding London over Brexit fears. But is Brexit a real problem for the fintech space and are coders leaving or is the talent rush just slowing down? Andy Murray lobs over an interesting bit of fintech news by betting that British Fintech is going to a smash hit. But how big is he betting? Accenture released their wealth management report on the next era, focusing on Millennials. Despite all the good stats on what Millenials want, can a one-size-fits-all digital experience ever work? Amazon targets teens, the online bookshop-turned-retail-monolith wants to get to teenagers before the banks are able to. It’s a common tactic used to establish brand loyalty while consumers are young. Sweden turns against cashlessness amid fears it puts us at risk of attack, with 70% of Swedes wanting to retain some use of cash. But 40% of Britons say they can see themselves going completely cashless in the future. So why is there such a split? Square’s Cash App arrives in the UK, it’s a potential competitor to Venmo, but can it survive in the UK amongst platforms like Starling and Monzo? Rounding out the stories tonight, it turns out that the wild entrepreneur John McAfee is charging $105,000 per tweet promoting digital coins and Initial Coin Offerings. Yet another dodgy story on the man who had a very suspicious time in Belize with murdered neighbours and suspected drug dealers. His life is a movie deal waiting to happen. We hope you enjoyed the show! Subscribe so you never miss an episode, and if you want to show us some love then please leave a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Definitely tweet us if you were at After Dark live with us! We always love hearing from you all. Special Guests: Liz Lumley, Megan Cooper, and Richard Davies. Links: M-Pesa wallet goes online in collaboration with PayPal PayPal Makes a Move Toward Traditional Banking Threat to fintech industry as young coders shun London over Brexit Charlotte Crosswell: “Fintech is our best chance post-Brexit” Why Andy Murray Is Betting Big On British Fintech Millennials and Money: Next Era of Wealth Management | Accenture Amazon Wants to Get to Teenagers Before the Banks Do 'Being cash-free puts us at risk of attack': Swedes turn against cashlessness 40% of Brits ready to stop using cash, according to exclusive research from Kantar TNS. - Business Insider Cash App - Send Money Instantly McAfee charges $105k per tweet to promote an ICO Learn more about your ad choices. Visit megaphone.fm/adchoices

We ask Ross about his love for SMEs and how the traditionally underserved market will benefit from the new open banking regulations as well as how critical SMEs will be for fintechs. We get an insight into what Barclays is doing to integrate fintech and making sure that they continue to serve SMEs. Ross also tells us about the wider implications of open banking, what fintechs should be aiming for when pitching to clients, and how banks can partner with agile services in the open banking world. Ross shares his views on the techwave set to hit all industries, how that’s going to impact the role of banks and how they can advise SMEs to adapt to new changes in order to perform in their sector. Cyber-fraudsters have a new target in busy SME owners, Ross explains how banks need to educate themselves and customers to protect them from becoming victims. All this and much more in this episode of Fintech Insider. We hope you enjoyed the show! Tap subscribe so you never miss an episode, and if you want to show us some love then please leave a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guest: Ross Dalzell. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ross and Richard discuss the upcoming design competition, how TSB aims to utilise innovative design in a wider business banking context and of course all the rules. TSB is looking to champion SMEs and tackle their problems, thrive and be more productive without having to weighed down by banking admin. Richard Davies tells us what he wants the competition to achieve and how being the first high street bank with a modern banking platform will give TSB an advantage Universities, students, and fintech freelancers are the main audience for the competition. Everyone else would probably be breaking the terms of their contract. TSB want applicants to figure out how to transform banks physical reach and capabilities for helping local business to right across the UK. We learn about the O2O hybrid, fusing the digital and real worlds together, that TSB is moving forward with, and how they’ve been inspired by Alipay’s take on it. The competition is also looking for fresh thinking without any preconceived notions of what banking is, it’s about leading a generation. TSB is working with 11:FS and 12 universities on the competition. The prizes are pretty exciting. £9000 has been set aside in total, 2 x £3000 and 3 x £1000 paid out by TSB directly to the winners. We hope you enjoyed this bonus show! Subscribe so you never miss an episode, and you know you want to show us some love so please leave a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guest: Richard Davies. Learn more about your ad choices. Visit megaphone.fm/adchoices

Jeff Tijssen, 11:FS Head of Consulting, Sophie Winwood, Head of Partnerships at Innovate Finance, and Valentina Kristensen Head of PR and Marketing at Oak North all speak with Ross Gallagher on the skills you need to make it in the fintech world. Getting things started we’re talking about what backgrounds are best to break into fintech and where all our panel came from to get to where they are now. We explore what the fintech industry is looking for in applicants and who it’s trying to attract. Which matters most, the finance or the technology? And where does the customer fit into it? We also look at where the principles of Fintech and traditional finance converge and separate. Something definitely worth considering for those difficult to answer interview questions. The panel discuss where new technology is disrupting the traditional financial model and whether you really need a background in financial services to break into the fintech world. To round things off we look at where younger people need to go, who they need to be talking to and what questions they need to be asking to become the next generation of fintech talent. We hope you enjoyed the show! Subscribe so you never miss an episode, and if you want to show us some love then please leave a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guests: Jeff Tijssen, Sophie Winwood, and Valentina Kristensen. Learn more about your ad choices. Visit megaphone.fm/adchoices

In our birthday episode we take you on a lookback from the entire 11:FS team over the last couple of years. Including the highlights and challenges of taking on clients, applying for projects with banks and everything we do besides make podcasts. Our founders share why the company got together, where they saw a gap in the market and how they made the leap to take it on. Fintechs of the future have to do things in a slightly different way today to stand out from the major consultancies. Growth is the keyword for most banks these days across the world. Can fintechs deliver that level of growth needed or are banks going to be forced to keep repeating the cycles pre-2008? We also take you under the hood of 11:FS Pulse 2, set to launch at the end of the month, and why even with a small team it’s possible for fintechs to deliver next-gen services. Simon shares a few of his favourite rumours about what we do for big banks, but Jason brings it back to what we’ve actually done and what banks actually need in the new era. Doing something new from a business standpoint in an intelligent way. Sophie shares the challenges of actually growing a startup in a smart and sustainable way from an employee numbers standpoint. When word gets out applications shoot up and how finding the right match between roles, people, and the company itself is an art. David and Jason share a few of their core beliefs on making a startup grow properly, how pyramid growth is outdated in an agile market. Even with three distinct business faces, media, consulting and research, 11:FS is, at its heart, only one team. It’s vital to startups for all their teams to adapt and work together. Diversity of thought is a driving factor behind 11:FS growth, Sophie explains why diversity isn’t just about gender but finding people who can blend together different ideas and use them to drive forward the company's goals. Storytelling is a huge part of what we do, Ollie and Laura give their feedback on why 11:FS media has been so successful. Podcasts like this, speaking events, providing narratives with the real facts and the real reasons behind stories instead of focusing on soundbites are all just one part of why. Transparency at all levels only ever helps. Conflict works in a startup, rather than sticking to a company line, Simon shares how it’s proven to be a big help to 11:FS to have disagreements. So long as the entire team is driving towards the same goal having a discussion only helps to achieve that. All this and more on this week’s special Fintech Insider. Of course none of this would be possible without you our listeners and so we want to say thank you for all your support so far and we're looking forward to delivering even better content in the future. Thank you for listening! You can find us on Twitter @FintechInsiders or @11FSTeam or find us on Facebook, YouTube and Instagram or drop us a line [email protected] Don’t forget to subscribe to the show so you never miss an episode, and if you really love us, leave us a review on iTunes. Special Guests: Jeff Tijssen, Ollie Judge, Ross Methven, and Sophie Theen. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this very special takeover episode we uncover exactly who Hargreaves Lansdown are, directly from their new tech centre in Warsaw and why a company like theirs needs to be on the cutting edge. Creating a tech platform and digital focused business has become a key part of their business. We discuss the importance of constant innovation and technology in the industry and how it helps them stand out from the crowd. Hargreaves Lansdown share how they’re making waves in the fintech space outside of the London fintech bubble in the UK and abroad. The digital age doesn’t mean the end of analogue, HL discusses why they still see value in an analogue safety net that puts the client first. Website and mobile functionality have changed, new tech and new feedback has meant that firms have to adapt how they deliver experiences across devices, HL share how they’ve done it. Mobile users suffer from a lack of understanding from companies, the panel discuss how knowing their audience has been key to their growth and how all their tech is routed in essential customer needs. Word of mouth is still a key driver in growth, the panel discuss how much of an impact it has on their business and that the relationship they build with their clients from that is their most valuable asset. We talk about all this any much more on this Friday’s episode of Fintech Insider. Thank you for listening! You can find us on Twitter @FintechInsiders or @11FSTeam or find us on Facebook, YouTube and Instagram or drop us a line [email protected] Don’t forget to subscribe to the show so you never miss an episode, and if you really love us, leave us a review on iTunes. Special Guests: Chris Hill, Chris Worle, David Davies, Michal Glowinski, and Pete Townsend. Sponsored By: Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re at the IFTC held at London’s Tobacco Dock where Simon is meeting some of the fintech envoys outlined in the Chancellor’s keynote address and getting some insights into how the new fintech strategy will play out. David Duffy explains the excitement behind the fintech bridges and the challenges ahead for fintechs and banks working together. Eileen Burbidge shares key insight on the state of the fintech landscape today, how the UK leads the industry, how fintechs need to adapt in the face of GDPR and the power of transparency. Al Lukies gives us some more information on the fintech bridges and how the Australian bridge will be stronger than the Singapore, Hong Kong, South Korea and China bridges. Collaboration is at the heart of the bridge but it’s at the first step of a long journey. Nikhil Rahti comments from his unique position on fintechs gradual change from the B2C market to financial markets. How new tech is improving sectors the world over and just why open access distributed ledger technology might speed transactions up to transform the global financial market. Adrienne Harris gives her global perspective on fintechs growth, where its future challenges lie, how the UK and US can learn from each other, and the importance of efficient regulation. Imran Gulamhuseinwala tells Simon about the Open Banking implementation and ensuring that the 9 largest banks in the UK implement it properly. He also explains that Open Banking will have a few more iterations before it’s complete and what the next few phases will be. We hope you enjoyed the show! Don’t forget to subscribe so you never miss an episode, and if you really love the show please leave us a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guests: Adrienne Harris, Alastair Lukies, David Duffy, Eileen Burbidge, Imran Gulamhuseinwala, John Glen, and Nikhil Rathi. Learn more about your ad choices. Visit megaphone.fm/adchoices

Laura and David take a look at the last week’s biggest stories, alongside Jeff Tijssen, Monzo’s Leah Templeman and Bud’s Ed Masleveckas. Kicking off with a few announcements from some big banks - Deutsche Bank claims the bank account could be a thing of the past in less than 20 years time, which sounds contravertial but in the same speech it appears he’s only just realised banking is ready for disruption. In a similar vein, Citigroup annouce their big banking comeback… with a mobile app. Moving onto the UK banking and fintech scene, TSB have announced the arrival of their marketplace - making them the first of the high street banks to offer such a thing. Ross Gallagher caught up with TSB’s Commercial Director, Richard Davies to find out more. Next up, Leah talks us through Monzo’s integration of Yolt and also helps us dissect Monzo’s diversity report - David is most impressed with their “sexy” graphs. We also talk about Revolut’s virtual disposable cards - and the sheer rate at which Revolut are rolling out new products and services. Laura caught up with Vlad Yatsenko, Revolut’s CTO to find out more about the use case behind the virtual cards and how it helps prevent card fraud in ecommerce. The second half kicks off with two international money transfer stories as Santander team up with Ripple to speed up cross border payments to under 24hours - but they might have been pipped to the post by new BBVA-backed start up, Denizen who claims it has created a “global banking platform” that allows customers to receive money in one country and pay it out in another immediately, avoiding international transfer fees and eliminating currency exchange fees. Rounding out the show with millennials, coffee and cake as Amex acquire UK fintech Cake while Square is encouraging millennials to buy more coffee with their Square Cash cards for discounts… and the chatbot Plum is offering more ethical investment services to its mainly millennial user base. And finally a man beats up a cash machine in Australia and the footage makes the Daily Mail! We hope you enjoyed the show and had an eggs-cellent Easter weekend! Don’t forget to subscribe so you never miss an episode, and if you really love the show please leave us a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guests: Ed Maslaveckas, Jeff Tijssen, Leah Templeman, Richard Davies, and Vlad Yatsenko. Links: Bank accounts could disappear within 15 years according to one of Deutsche Bank's most senior execs Citigroup to Again Be a Nationwide Bank, but in Digital Form TSB launches lending marketplace for small businesses Monzo integrates with ING-backed app Yolt Monzo shares it's annual update on diversity & inclusion Revolut’s disposable cards Santander is set to launch an international money transfer app with Ripple Denizen launches first fee-free global account American Express quietly acquired UK fintech startup Cake for $13.3M Square is offering some customers $1 off coffee purchases Savings chatbot Plum introduces ethical investment tool Learn more about your ad choices. Visit megaphone.fm/adchoices

Simon has an insightful interview with Blackrock and iShares' Stephen Cohen on the future of wealth finance and tech. We also have a roundtable panel going through the latest jargon, demystifying the ARs from the VRs and explaining why the two are so often confused. Troubles with AI and machine learning and how they apply to the industry? Another two things that sound so similar, those at the cutting edge will take you through it step by step. Fintech is a fast paced world with constantly evolving buzzwords and acronyms. It’s forgivable to let a few things slide, our guests use real world examples to show you how important these new techs are and how they can improve your business. Our roundtable brings you: Rebecca Skiles, Managing Director, Accenture Digital, Olivia Vinden - Tech/Blockchain specialist for Asset and Wealth Management, Alpha Nick Burns, Chairman, EngageWorks And to cap things off we have another interview, this time with Eileen Burbidge, Partner at Passional Capital, on the major trends of the moment and where wealth sits within that. All this and more in this week's show! Don't forget to subscribe so you never miss an episode and if you want to show us some love leave a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guests: Eileen Burbidge, Nick Burns, Olivia Vinden, Rebecca Skiles, and Stephen Cohen. Learn more about your ad choices. Visit megaphone.fm/adchoices

In a series of one to one interviews from Innovate Finance Global Summit 2018, Ross Gallagher and Simon Taylor explore the ins and outs of some great fintechs with some exciting movements in the UK, Hong Kong, China, and the EMEA. Including: Benedetta Arese Lucini, Co-founder, Oval Money Charles d’Haussy, Head of Fintech, InvestHK Thomas Eyre, CEO and Co-founder LOQBOX Li Wang, Head of EMEA, Alipay James Mackonochie, COO and Co-founder, Pia Marieke Flament, Managing Director for Europe, Circle Sophie Winwood, Head of Partnerships, Innovate Finance Stephen Ingledew, CEO, Fintech Scotland Husayn Kassai, CEO and Co-founder, Onfido These fintech superstars give us the scoop on where they’ve been, what they’re doing, and where they’re going over the next year. We hope you enjoy the show! Don't forget to subscribe so you never miss an episode and if you really love us please leave us a review on iTunes! Let us know your thoughts @FintechInsiders or email [email protected]. Special Guests: Benedetta Arese Lucini, Charles d'Haussy, Husayn Kassai, James Mackonochie, Li Wang, Marieke Flament, Sophie Winwood, Stephen Ingledew, and Tom Eyre. Learn more about your ad choices. Visit megaphone.fm/adchoices

Rainmaking Colab MD Helene Panzarino, journalist/guru Monty Munford and 11FS’ own Ryan Garner speak with Ross and Simon to go through this week’s top stories in UK fintech and banking around the world. We head up the show with a bevy of Fintech stories, starting off with Philip Hammond’s strategy announced at the International Fintech Conference, covering robo-regulations, a new fintech taskforce led by the Treasury, and fintech bridges. We move on to the rest of the week’s fintech news, including Tide’s claim that they’re the fastest business loan service in the world. Pockit Loqbox has a mission to help the UK’s unbanked improve their credit score, Oak North breaks new ground by becoming the first UK fintech to report an annual profit, and we’ve got an illuminating interview with Valentina Kristensen, Director of Growth and Communications at Oak North. Yolt connect to 6 major banks...or is that 4? N26 expand across the pond and Monzo have reached a landmark number of customers. In the second half of the show we delve into Virgin Money and Standard Life’s new deal on asset management, Michael Sheen’s transformation into a fintech vigilante, and why Whatsapp is shifting to payment services in India. Uber pulls its driverless car scheme following a fatal crash in Arizona, the second accident the company’s had with its driverless cars. Religious updates in the fintech sector with the Church of England now taking contactless payments alongside the collection plate powered by iZettle and SumUp. Finally, Rooster Money has partnered with JustGiving to make it easier for children to donate money to a charity of their choice. All this and more in this week's news show! We hope you enjoy the show! Don't forget to subscribe so you never miss an episode and if you really love us please leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guests: Helene Panzarino , Monty Munford, Ryan Garner, and Valentina Kristensen. Links: Philip Hammond’s Fintech strategy Tide rebrands & launches new card design is now authorised as an Electronic Money Institution Pockit Loqbox promises to help the UK’s ‘unbanked’ improve their credit score Oak North becomes first UK fintech to report annual profit Yolt connects to RBS, Natwest, & Ulster Open Banking APIs Monzo reaches 500k customers German app-only bank N26 raises $160 million from Allianz and Tencent to crack the US Virgin Money and Aberdeen Standard in retail asset management tie-up Michael Sheen launches campaign against high-cost lenders WhatsApp Could Shake Up Digital Payments in India Uber halts self-driving tests after pedestrian killed in Arizona Church of England to accept donations by contactless payments RoosterMoney teams up with JustGiving to make it easier for children to donate to charity Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris Skinner has a blog many of you are sure to know at www.thefinanser.com, it’s packed full of great insights into the financial world. He’s also 11FS’ very own advisor to special projects. Chris is Chair of the European networking forum: the Financial Services Club. He is on the Advisory Boards of many companies including Innovate Finance, Moven and Meniga. The big topic of his upcoming new book is Humanity’s Fourth Revolution and the next generation of finance. How it’s happening right now and soon 4.5 billion more people will be able to access banking services. Digital Humans exist on a Connected Planet, they discuss how those who pay the most to move money often have the least and how this is changing through connectivity. Star Wars vs Star Trek. In an unusual turn for Fintech Insider Chris and David discuss which one's more likely in the future, with a financial twist of course. What are Western companies missing out on and what can they learn from the East and the developing world on financial inclusion and accessibility? They take a close look at Ant Financial, their leap forward to fifth generation architecture and why regenerating every few years works. Are Fintechs just making faster horses? Does it work and should companies be creating something new? We hope you enjoy the show! Don't forget to subscribe so you never miss an episode and if you really love us please leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guest: Chris Skinner. Learn more about your ad choices. Visit megaphone.fm/adchoices

Cruxy&Co's Alexandra Cheung and Capco's Charlie Wood joined David, Jason and Ross to go through this week's top stories in UK fintech and banking and around the world. We kick off with a slew of UK fintech stories, including Starling's launch of cross border payments, and also highlighting their research into "everyday sexism" into financial services marketing which was picked up by the mainstream media. Are we blind to everyday sexism? David says yes, Alexandra says no. We move on to a report by the inimitable Sarah Kocianski on the state of neo banks and how fintechs might have to try harder than before to keep their customers happy. Next up they discuss HSBC's proposed app to take advantage of Open Banking, and Tandem's purchase of Pariti. In the second half of the show we talk tech giants, as Google claim they want to be bank's friends not their rivals .- but do our panel believe them? - Google ban of crypto ads, Square's monumental share increase possibly as a result of embracing bitcoin, Amazon's e-commerce debit in Mexico to encourage shoppers without debit cards to use their services and Tim Berners-Lee's condemnation of the tech giants as exploiting people's data. And finally - in an incredible marketing move, Standard Chartered hires Ivory Coast mega star Didier Drogba as their first customer for their Ivory Coast online bank. All this and more in this week's news show! We hope you enjoy the show! Don't forget to subscribe so you never miss an episode and if you really love us please leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Special Guests: Alexandra Cheung and Charlie Wood. Learn more about your ad choices. Visit megaphone.fm/adchoices

Aneesh founded Aire in January 2014, inspired by his inability to access credit as a migrant in London. Aneesh has a background in risk (Morgan Stanley), analytics (Credit Suisse) and M&A (J.P. Morgan). In 2008, Aneesh founded FabriQate, a mobile customer experience engine helping clients to predict user behaviour. Aire are researching and building a new credit algorithm that helps customers to access an alternative credit score. The app tackles financial inclusion by aiming to provide credit access for customers who are unable to build a credit score. Simon asked Aneesh how their credit model uses alternative data and what their sources are. They also discussed their ambitious long term strategy - to change the way we look at credit and ensure everyone has appropriate access to credit - but how do they go about achieving such a huge aim? Aneesh also talks us through some of their research projects and collaborations. The big topic is also financial inclusion and Aneesh tells us why that's so close to his heart and what other social issues technology will affect in the coming months and years. We hope you enjoy the show! Don't forget to subscribe so you never miss an episode and if you really love us please leave us a review on iTunes! Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Learn more about your ad choices. Visit megaphone.fm/adchoices