Fintech Insider Podcast by 11:FS

So what is an investment platform? According to our panel it's much like a supermarket- you go in and buy lots of things, however you're also doing all the cooking! We discuss how robo advisors can disrupt investment platforms, by scaling the 'do it for you' investment model through technology, and how this interesting supermarket analogy gets altered due to it. We then move on to Millennial wealth and investment, exploring how newer generations don't have the benefit of buying property and seeing prices skyrocket, whilst also being saddled with debt as they begin their working lives. But how does a generation that has grown up with social media, a generation that is exposed to instant gratification so often- grow to understand the non-immediacy of investment? Or is this the responsibility of investment platforms- does this area need to be more accessible? Mitigating the jargon and bridging that financial literacy gap is imperative, but could governments rather than financial isntitutions be the answer in educating? But is the challenge with long term investment an economic one rather than educational-inflation currently sitting at 3% means that many cash ISA's aren't really working. To quote our guest Jon Willis: "you may as well keep your cash under your mattress" and this is very much the view financially literate millennials take- citing the lack of excitement a reason for disinterest, hence- Bitcoin. So how do we make it more accessible? Since millennials don't trust banks, as they have grown up with other brands and services that this generation of users are comfortable with e.g Facebook and Amazon. Is it through gamification? Is that the best way to bridge this literacy gap and make investment more accessible? Our wonderful guests dive deep into this subject and how the challenge posed to investment platforms can be answered. We hope you 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: Adam French, Jon Willis, Pete Townsend, and Shaun Port. Links: Tencent gets a licence to sell mutual funds to WeChat’s 1 billion users in China Tencent to sell mutual funds to ‘WeChat’ users - Citywire Digital asset management and crypto funds - how has the model changed? - 11:FS BNP Paribas Asset Management completes fund transaction blockchain... Learn more about your ad choices. Visit megaphone.fm/adchoices

David, Jason and Simon were joined by Chris Skinner and Monty Munford for this week's news show from a pub in Bermondsey, complete with pints and pie - the full British pub experience. We’re now past “deadline day” so naturally our first batch of stories concerned Open Banking and what the banking landscape looks like so far in the wake of PSD2 becoming law on 13th January. The guys chat about the impact the media has had on people's perception of open banking and potentially on customer adoption of it. They also touch on how Nationwide is the latest big bank to ask for an extension to meet the PSD2 deadline, and is meeting the deadline necessarily in correlation with being "good"? Staying on the theme of open banking they also talk through Monzo's interim API that they released in conjunction with the PSD2 deadline, and reflect on our interview with Tom Blomfield where he contested that Monzo are potentially better placed that the GAFA companies to take on Alibaba and build the financial control centre for the West. Speaking of Alibaba, the guys muse through their latest developments and the willingness of the Chinese government to support the Eastern tech giants in a way that regulators and governments are yet to do in the West. This leads to a lot of philosophising from all sides on the perpetual East vs West conundrum and who is currently winning? Moving on to arguably the biggest story of the week, the guys discuss the so-called "Crypto blood bath", as all cryptocurrency prices tumbled and no one really knows why the price tumbled for as far as it did for as long as did, or why it happened now. Following on from Business Insider's thoughts on why the prices have fallen so quickly, the team give their predictions, stay tuned to see who is right! Other notable stories of the week include Revolut's foray into travel insurance, Xinja's impressive fund raising, and U2's investment fund getting involved in fintech - could it be a Beautiful Day or maybe he Still Hasn't Found What He's Looking For. We hope you 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 Skinner and Monty Munford. Links: Open Banking: Will Facebook, Google, and Amazon get into finance? Nationwide delays Open Banking launch Monzo launches their interim API for Open Banking Tom Blomfield on Monzo's 1000% growth and taking on the tech giants - 11:FS Alibaba and Microsoft AI beat human scores on Stanford reading test Bitcoin sinks below $10,000 in cryptocurrencies retreat What caused January's bitcoin and cryptocurrency market crash - Business Insider Revolut now lets you automatically buy travel insurance based on your phone’s location Xinja raises $500,000 in less than a day U2 Frontman Bono Directs Investment Fund into FinTech Learn more about your ad choices. Visit megaphone.fm/adchoices

OakNorth isn't perhaps the most high profile Challenger bank in the UK, solving a real problem by serving the 'missing middle' who aren't being served well by existing lenders. Their business began by exploring how they can actually solve this issue, rather than how they could become a great bank- Rishi citing this particular outlook as one of the reasons OakNorth has seen success. Looking at OakNorth's social impact, their data shows that they've added about 2,000 to 3,000 new jobs through their lending as well as about 2,500 homes. Now perhaps some of these people may not have had a chance if it wasn't for OakNorth's human element. Their lending committee actually analyses the entrepreneurs behind the projects, rather than using a 'computer says no approach.' Rishi clearly feels OakNorth are still in infancy when looking at their future roadmap, he states that they want to vastly expand the business as they believe they can solve problems in multiple markets. The future certainly seems bright for this challenger bank and their social impact is certainly impressive! We hope you 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: Rishi Khosla. Learn more about your ad choices. Visit megaphone.fm/adchoices

We bring you the second part of our special wealth series, as we concentrate on asset management trends and how 2018 will impact the investments market. First, our panel discuss how evolving demands from varying types of customer in the asset management industry are challenging legacy ideas. How does millennial inheritance impact their thinking? And do longer life spans require asset managers to explore different avenues to meet customer needs? Next we move on to discuss the value chain, more specifically distribution, portfolio & management risk, middle & back office and finally 3'rd parties. It wouldn't be an 11:FS podcast if we didn't discuss Fintech to some extent, and the team dissect various trends that are leading indicators of what to come. How could Tech giants become disruptors in this space? Robo-advisory platforms have become more and more prevalent but is there a limit to how far they can go? Most data shows that many consumers are more comfortable with human elements in this business model, but could the millennial generation change this? The blockchain hype just won't go away, and rightfully so, as we discuss whether or not blockchain could become part of the infrastructure that future asset management business models are built upon? AI is another regularly discussed topic in this space, is it all hype? Or is there something there in the technology that asset managers could use to create a better financial product for their customers. We hope you 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, Pete Townsend, and Zeynep Meric-Smith. Links: Millennials to secure 'inheritance boom' Legg Mason chief warns of ‘disruptive’ period for asset managers Tencent gets a licence to sell mutual funds to WeChat’s 1 billion users in China Vanguard Taps Symbiont's Private Blockchain for Index Fund Data Learn more about your ad choices. Visit megaphone.fm/adchoices

First up on today's news show, the FCA bans BYOD (Bring Your Own Device) across the the entire UK finance sector. Whilst regulation is on the tip of everyone's tongue, cryptocurrencies managed to sneak their way onto the show once more as Kodak launched KODAKcoin, boosting stock prices an outrageous 44%. From one major announcement to another, tech giant Tencent gets a licence to sell mutual funds to WeChat's 1 billion users in China. Moving on, TransferWise is quietly launching its "borderless" debit cards to 1,000 customers, with a full rollout coming later in the year. We discuss what the future of borderless payments could look like and how this brings the company in closer competition with Revolut. Our next story comes from a report written by FleishmanHillard named 'The Fads, The Fears and the Future' which details the most overhyped technologies and trends in 2017. Simon Taylor interviews Claudia Bate the author, where they discuss the report at length including the methodology behind the statistics and upcoming regulation. Our last episode was named 'Tis The Season of Open Banking and the subject just won't go away. The Guardian published an article which asks whether open banking is a 'radical shake-up, or threat to your private data?' and our panel explore this at length. Do people know where their data is going? Our panel explore whether or not consumers actually need to know how their data is being used so long as it creates a better product for them. Next, we discuss Brexit's impact on the Fintech space and whether or not cynics have been proven wrong. Uncertainty has been prevalent over Brexit particularly in finance and this is something dissected during this episode. Software-only Wealthfront were also in the news as they raised $75 million as they aim to target millennials. We discuss who the term 'millennial' refers to and also what the traditional demographic usually is. We break down 'Meltdown and Spectre' (scary headline for a financial services story), a bug that could be used to compromise computer chips creating security vulnerabilities, what is being done to fix it and how it could impact legacy systems. On the brighter side of things, more than £300m of 'forgotten' money is to be stripped from bank accounts and given to charities and people in debt instead. Robin Hood springs to mind and the team details whether or not this is the right way of dealing with the dormant money. Finally, 'fake cannabis' drives record number of Swiss start-ups. Are we moving from 'Cash & Cocaine' to 'Bitcoin & Weed'? We hope you 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: Charlie Wood, Pete Townsend, and Sarah Kocianski. Links: FCA 'gold-plates' EU rule, bans BYOD across entire UK finance sector Kodak stock is up 44% after announcing it's launching a cryptocurrency called KODAKCoin Tencent gets a licence to sell mutual funds to WeChat’s 1 billion users in China TransferWise launches borderless accounts & debit card FinTech in 2018: The Fads, the Fears and the Future ‘Open banking’: radical shake-up, or a threat to your private data? Brexit impact on venture capital investment into UK fintechs Software-only Wealthfront raises $75 million What bankers need to know about Meltdown, Spectre chip flaws More than £300m of 'forgotten' money to be stripped from bank accounts and given to charities and people in debt instead Fintech and fake cannabis drive record number of Swiss start-ups Learn more about your ad choices. Visit megaphone.fm/adchoices

From pre-paid card to fully fledged Current Account, Tom Blomfield details the journey of UK challenger bank Monzo with great enthusiasm and vibrance. Tom talks our host Simon Taylor through Monzo's viral growth and how their marketing team has managed to grow the company 1000% in the last year alone, on a very limited budget. 'I don't think we're a million miles away from the mainstream' is a great quote and highlights the ambition of the challenger bank, as we discuss Monzo's roadmap for the future. Regulation has been a hot topic to kick off 2018 and so you won't be surprised that PSD2 is much discussed throughout the interview. Indeed Tom gives his opinions on how large banks and open banking will be impacted by the regulation. Murmurs of both a Monzo IPO and potential acquisition have been constant throughout 2017, and Tom's admirable attitude that an acquisition "would feel like failure" shows just how dedicated the Monzo team is to creating a better banking product for its customers. He takes responsibility for the IPO rumours saying that it was down to a copywriting indiscretion, however also states a future IPO is possible. This episode is sponsored by Toptal, an exclusive network of the top freelance software developers, designers, and finance experts in the world. To find out more, visit Toptal.com. We hope you 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: Tom Blomfield. Learn more about your ad choices. Visit megaphone.fm/adchoices

In the first of our three-part series on investments, Simon Taylor is joined by special guests Joe Parkin, Gemma Godfrey, Phil Smith, Olivia Vinden & Gareth Johnson. We kicked things off by asking our panel what IS wealth management? How does it differ from asset management and what does the future of the industry look like? Our guests have a wealth of experience (pun intended) in this industry, and tried to dissect the role of the wealth manager and how technological evolutions will transform this space. We discuss whether or not digitisation of the role would to some extent mitigate the human element behind wealth management, and how exactly this will alter the customer relationship. DLT, Machine learning and AI are all buzzwords, but how could these growing areas of innovation change wealth management? How will data, in tandem with these technologies successfully make wealth management for more accessible to the consumer? The panel discuss how these areas could benefit the industry, offering some very interesting insights. Finally, we explore how changing demographics - both managers and customers - alter the approach to wealth management? It's incredible to think that many children born today, will live close the age of 100. This changes the approach from a wealth management point of view, but also increases the range of people who will understand future technologies that will have a vital role to play in this area. Thanks for listening! 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: Gareth Johnson, Gemma Godfrey, Joe Parkin, Olivia Vinden, and Phil Smith. Links: Forget Banks, in 2018 you will pay through Amazon and Facebook Learn more about your ad choices. Visit megaphone.fm/adchoices

First up on today's show, Alibaba's Ant Financial has abandoned a $1.2bn takeover of MoneyGram. So what were the US regulator's concerns over national security and personal data. Continuing the regulatory theme, we explore open banking and traditional banking. The guys discuss why open banking might threaten the survival of traditional banks. Plus, new research suggests that consumer awareness of open banking is at a major low, amidst suggestions that in 2018 you'll pay through Amazon and Facebook. Next, we ask what is MiFID II and how will it increase transparency and bolster investor protection? The guys discuss why the credit card fees ban has backfired, and why consumers face new 'service charges' and higher prices. Is it right that by 'fat-cat Thursday', top bosses' pay after just three days overtakes workers' average annual salary? P2P payments are back, so is it true that Apple Pay Cash won't be the death of Venmo? And if not, could Zelle do it? And in the world of banking and savings apps, the guys explore news that Thomas Cook is planning a banking app, plus the consequences of news that savings app Folio has gone under. After a very relevant tweet, we return to a story from Ep. 141. The future will be tokenised, with an update on the Chinese government's plans to give every citizen a score based on their trustworthiness. So does this sound like a great endorsement of your behaviour or an Orwellian intrusion? Let us know your thoughts @FintechInsiders. In the last story for this week's news, why psychedelic stickers are blowing AI minds. We think these might become quite popular in the near future... And finally on today's show, we offer our predictions for 2018. Tune in to hear the team's thoughts on open banking, SMEs and anticipatory design, and check out our 2018 predictions blog. Thanks for listening! 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: Andra Sonea and Benedict Shegog. Links: Alibaba's Ant Financial abandons $1.2bn MoneyGram takeover as US authorities refuse to back deal Why new rules threaten the survival of traditional banks Consumer awareness of Open Banking at major low, spelling traditional banking demise Forget Banks, in 2018 you will pay through Amazon and Facebook What is MiFID II, Europe's sweeping financial regulations, which begin today? Credit card fees ban backfires as consumers face new 'service charges' and higher prices 'Fat cat Thursday' as top bosses' pay overtakes UK workers' - BBC News Apple Pay Cash won't be the death of Venmo but I found the little-known alternative that will Thomas Cook plans banking app Exclusive: Savings app Folio goes under Emily Rauhala on Twitter: "I'm on the Tianjin to Beijing train and the automated announcement just warned us that breaking train rules will hurt our personal credit sc… https://t.co/TtOCbxN96h" The Chinese government wants to give every citizen a score based on their trustworthiness These psychedelic stickers blow AI minds Our 2018 Predictions - 11:FS Learn more about your ad choices. Visit megaphone.fm/adchoices

Sam Maule is joined by Jason Bates and new 11:FS team member, Doug Bobenhouse in Chicago to discuss the State of the Union in the US, wrapping up 2017 and looking ahead to next year. They discuss the history of fintech, starting with pre-paid cards, and the slowness of movement by the big players in the US in particular to adapt and change. Jason talks through "platformification" and the ability to make fast changes by building new propositions on top of old systems, turning products into services. They discuss the risks and also the opportunities for smaller banks in the space to collaborate and share learnings and also APIs and backend systems, with each other and also the big banks in order to take advantage of the changes in the space, and "take the game to the big guys". What does "ruining the romance" in banking mean? Jason and Sam explain all. Sam and Doug discuss how Chicago made its mark on the financial services landscape of the US, and its benefits for start ups in the space. And Jason asks are faster payments even possible in the US? Sam and Doug debate, and Sam Maule is left speechless by one suggestion - listen out for that! The guys also look ahead to 2018 and give their predictions for the next year in financial services for the US, including Dodd Frank, and marketplace competition vs monopoly. 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 Guest: Doug Bobenhouse. Learn more about your ad choices. Visit megaphone.fm/adchoices

Simon Taylor speaks to Eric Wilson, CEO at Xinja, who are building Australia's first digital bank. First off Eric introduces us to Xinja - what is it, how does it work and what makes it unique and of course we had to ask how they came up with the name Xinja and how it's pronounced (like ninja). We ask about Xinja's business model; how they make money, who their customers are and how they acquire them, and what their longterm goals are. Eric also tells us about Xinja's partnership with Equitise to offer equity crowdfunding and the Founding Xinja community, and their aims to bring humanity back to banking and how they feel about the label "neobank". We also get his thoughts on the future of cash, particularly in Australia, and how the Australian market compares to the UK, Europe and the States. We hope you 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: Eric Wilson. Learn more about your ad choices. Visit megaphone.fm/adchoices

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