Fintech Insider Podcast by 11:FS

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

In this episode David is joined by the multi-talented Jonathan Larsen, who is simultaneously CIO of Ping An, based in Hong Kong and CEO of their Global Voyager Fund. The Global Voyager Fund is a $1billion fund for investment in global fintech, and Jonathan and his team ensure that via this fund they have access to the best innovation around the globe and the best partnerships opportunities. He discusses the impact of financial innovation in China and the enormous opportunities for scalability that China offers, unlike anywhere else. Equally, he tells us about the international opportunities that have arisen from this, reversing the flow of technological advancement from China to the rest of the world whereas previously the flow was going in the opposite direction. The biggest opportunity in China is fintech for healthcare but this is also branching out worldwide with platforms sponsored by the Global Voyager Fund, such as gooddoctor.com the “uber of doctors”. Jonathan also shares with us his visions for the future where businesses are information led and data is the biggest asset, meaning companies are no longer tied into one fixed industry. Want to know more? Check out Ping An, or connect with Jonathan on LinkedIn. Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep. 270. Interview – Jonathan Larsen, Chief Innovation Officer, Ping An appeared first on 11:FS. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode Simon interviews Ali Niknam, CEO of Bunq, who firstly, tells us all about where the name Bunq came from, what the brand name means and stands for, and how important that is to the company ethos and their overall mantra of being “the bank of the free”. Bunq is a small company with big ambitions for geographic expansion and scalability; Ali tells us that control and ownership is so important to them (they do not outsource their development); and he deliberately chose to run a small team to deliver the best quality products and experience for the end user. It is also part of Bunq’s USP that they take on user feedback when developing their products and are not afraid to experiment, for example they were first bank in the world to try face recognition software. Ali also explains Bunq’s target market and customer demographics, and the Bunq service-orientated business model, in essence: “not making money with money”. Want to know more? Check out Bunq.com, follow them on Twitter, or connect with Ali on LinkedIn. Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep. 269. Interview – Ali Niknam, CEO of Bunq appeared first on 11:FS. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode We have a whole host of hosts as David, Jason, Simon and Aden are joined by Mariano Belinky and Jamie Campbell for the news. This week in a European-led section of the show the team discuss Swedish giant Klarna getting it’s official banking licence to begin delivering financial services, Spain’s first fully digital bank, European “robo advice”, and the European Central Bank demanding declaration of all cyber security breaches. It’s raining money in Durham as Atom gets a further £30 million investment from the government, and why did Will.i.am became an advisor to Atom – and does it work? Additionally, they also take on the Barclays execs’ fraud charges during the financial crisis in 2008, ahead of their hearing next week; and an equally political story on the other side of the pond: Elizabeth Warren’s attempts to remove 12 Wells Fargo board members. Finally, the guys also discuss whether PayPal are right to dismiss the Apple Pay challenge; and the impact of two thirds of the world’s population now having mobile phone access and what does that mean for digital innovation? Guests Mariano Belinky – Managing Partner at Santander InnoVentures Jamie Campbell – Head of Awareness at Bud News this week Techcrunch – Klarna gets a full banking license, gears up to go beyond financing payments – Link Techcrunch – Monese adds Direct Debits to become even more like a regular bank account – Link Banking Tech – Spain’s first fully digital bank Openbank in major transformation – Link Bloomberg – Barclays and Four Former Execs Charged Over Qatar Probe – Link CNBC – Sen. Elizabeth Warren calls for removal of 12 Wells Fargo board members – Link Business Insider – BlackRock gets into European ‘robo advice’ as it leads €30 million investment in Scalable Capital – Link Business Insider – Atom Bank gets £30 million from the government as Philip Hammond pledges investment boost – Lin Tech City News – Will.i.am reveals why he became an advisor to UK FinTech startup Atom Bank – Link The Telegraph – PayPal chief dismisses Apple Pay challenge – Link City AM – Banks to be forced to reveal all cyber security breaches to the European Central Bank – Link NFC World – Swedish commuters validate tickets using NFC microchips implanted in their hands – Link Daily Fintech – International Regtech Association Launch and IBM Watson announce Regtech Apps – Link Venture Beat – 5 billion people now have a mobile phone connection – Link The post Ep. 268. News: It’s raining money in Durham appeared first on 11:FS. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode Simon interviews Nathan Bostock, CEO of Santander UK. Nathan explains how Santander is embracing the tech changes facing the banking industry, and the shifting customer behaviours in their interactions with the bank with the help of digital innovation. He also tells us that digital innovation evolves around good customer service so Santander tries maintain “customer-centricity” in all it does, to drive its customer experience forward, and that hiring strong digital talent is so important to them to help them achieve this. Nathan also tells us that the Santander company ethos and mindset is that of a challenger, not an incumbent, so they are always looking for opportunities for innovation that can challenge the status quo, while simultaneously taking customer data security very seriously. One key opportunity for innovation is that of partnership with fintech companies and Nathan explains the success of their partnership with small business lending company, Kabbage. Want to know more? Visit http://www.santander.co.uk/uk/index or https://uk.kabbage.com/ Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep. 267. Interview – Nathan Bostock, CEO Santander UK appeared first on 11:FS. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: We bring you the highlights from the RFI global banking summit where we were lucky enough to speak to a variety of different guests, on a range of topics. First up, Aden spoke with Louise Beaumont, Co-Chair at Open Bank Working Group, to talk about all things open banking, before he dived into a chat with regular FinTech Insider guest Ghela Boskovich. Later on he chats to Luis Rodriguez, VP Strands Lab and Ricky Knox, founder of Tandem. Later on, Simon Taylor takes the reigns as he chats with Mike Kelly, the Founder of Curl, Jesse McWaters of the World Economic Forum, Charles Green, CEO of RFi Group, the host of the event, and Yarrick, CEO of NBank. Guests: Louise Beaumont – Co chair, Open Bank Working Group Luis Rodriguez, VP Strands Labs Ghela Boskovich Ricky Knox – founder of Tandem Mike Kelly – Founder of Curl Jesse McWaters – Financial Innovation Lead, The World Economic Forum Charles Green – Founder and Group CEO RFi Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep. 266. Insights – RFI Global Banking Summit appeared first on 11:FS. Special Guest: Ghela Boskovich. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode David is back! He and Aden are joined by regulars Liz and Sarah for the news. This week the team take on The FCA’s cohort 3 and reveals cohort 2 for their sandbox; Amazon flexing it’s financial services muscles; and the “demise of a fintech darling” as Monetise is to be acquired by Fiserv for £70million, when it was previously valued at £2billion. They also ask “what the hell is Zelle?” – the instant transfer app taking the US by storm, a key rival of Venmo, a product of six banks working together with 86million instantly available customers, it looks set to make big waves. The team also tackle Uber upheavals, and the ongoing sexism disputes threatening to tear the company apart, leaving it currently without a CEO, CTO or COO – is this the beginning of the end for them? Even if it’s not, being the “Uber of banking” may no longer be a thing to aspire to. They also discuss what is the future for the small town bank branches and is honesty the best policy?, as Monzo sends out open communications explaining the need to verify 20,000 customer accounts or else to shut them down. And finally… Potcoin Dennis Rodman and North Korea – is this a movie waiting to happen? Guests Sarah Kocianski, Senior Research Analyst Fintech at Business Insider UK Elizabeth Lumley FinTech commentator & Author of girl-disrupted.com News this week FCA – Financial Conduct Authority provides update on regulatory sandbox – Link Reuters – Amazon lent $1 billion to merchants to boost sales on its marketplace Link Finextra – Fiserv to acquire Monitise for £70 million – Link New York Times – Cash Faces a new challenger in Zelle, A mobile banking service Link BizJournals – Bank of America launches new high-tech financial centers around U.S Link The Guardian – As we wave goodbye to cash, ATMs have had to get a whole lot smarter Link Finextra – Monzo may have to freeze some accounts under new money laundering rules – Link The FT – Deutsche Bank wealth arm targets Asia super-rich Link New York Times – Uber embraces major reforms as Travis Kalanick, steps away Link New York Times – David Bonderman resigns from Uber board after Sexist remark – Link The Register – Ta-ta, security: Bungling Tata devs leaked banks’ code on public GitHub repo, says IT bloke Link FNLondon – Email hoaxer catches out top brass at Citi and Goldman Link The Verge – A cryptocurrency for weed is sending Dennis Rodman back to North Korea Link The post Ep. 265. News: Guess who’s back? appeared first on 11:FS. Special Guests: Liz Lumley and Sarah Kocianski. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode Jason interviews Daphne de Kluis, CEO of commercial banking at ABN AMRO, the Dutch banking giant. Speaking at the Beyond Banking event in Amsterdam, Daphne and Jason discuss the importance of the event to enhance co-creation between partners, external clients, and customers to shape the future of banking and products. She believes in the importance of asking clients for their feedback and what they want from their bank to create more collaborative development that allows ABN AMRO to reach beyond the boundaries of the traditional bank and offer better customer service. They discuss the value of entrepreneurship and ABN AMRO’s ongoing efforts to change the company culture to challenge their employees to think outside the box and work more like entrepreneurs, no small feat in such a giant organisation! Jason also asks her for her views on fintech and challenger banks – does she see them as a threat? They also discuss her thoughts on digitisation in banking – is it almost complete or barely begun?, ABN AMRO’s route to innovation and how talent is always key priority. Want to know more? Reach out to Daphne via the ABN AMRO website, or connect with her on LinkedIn. Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep. 264. Interview – Daphne de Kluis – CEO of Commercial Banking, ABN AMRO appeared first on 11:FS. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode Simon and Aden are joined by regulars Ghela and Sarah for the news. This week we discuss all things politics on both sides of the pond, especially THAT Dodd Frank legislation repeal proposed by Trump, that seems to have flown slightly under the radar while we were all looking the other way, watching Comey’s testimony- and what this would mean for banks and their customers if it happens. Also on the table is the UK election result and the potential “Brexit dilemma”: other European fintech hubs could take the talent and budget away from London – will London fight back? They also tackle whether it’s possible for incumbents to ever truly become fintech firms, or will innovation always get bogged down in middle management? On the flipside is Coinbase, who has just achieved unicorn status with their latest valuation – is it a game-changer to have a cryptocurrency firm inducted into unicornland? The team also debate whether it’s a big deal that Apple have announced a peer-to-peer payment service, to compete with Venmo; and with Atom postponing the launch of their current accounts, are they struggling to be truly digital? Additionally they all agree that Ant Financial is a beast but it is not yet a bank, can it successfully make the switch? Finally, how do we feel about Australia’s attempt to rename its currency the Dollarydoo – and can the change of a currency’s name affect it’s worth? Guests Ghela Boskovich Sarah Kocianski, Senior Research Analyst Fintech at Business Insider UK News this week Politics! Trump and Comey, Dodd Frank legislation repeals, and the UK election result. Recode – Apple just announced its own Venmo competitor built into iMessage – Link Atom postpones current account launch – Link The Telegraph – Aviva eyeing AI and big data in bid to become fintech firm – Link Coin Telegraph – Coinbase Valued at $1 Bln, Could Target More Aggressive Global Expansion – Link Nikkei Asian Review – Ant Financial seen becoming world’s top consumer bank – Link Polish fintech companies face Brexit dilemma – Link Marketwatch – A petition to call Australia’s currency ‘the Dollarydoo’ has 50,000 signatures – Link The post Ep. 263 – News: Dodd Frank, Trump, Elections, Unicorns – what didn’t happen this week? appeared first on 11:FS. Special Guests: Ghela Boskovich and Sarah Kocianski. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode Jason and Simon catch up with ABN AMRO’s Freek de Steenwinkel & Roland Booijen, and Ali Niknam, CEO of Dutch challenger bank, Bunq to discuss traditional banking vs challenger banks and fintech in the Netherlands. Are fintechs competing with incumbents or assisting incumbents? They find out how our guests feel about hackathons, hiring developer talent, APIs and the up-coming PSD2 directive. They also discuss regulations, compliance and new product development, in particular ABN AMRO’s Tikkie – an easy-to-use payment management tool, allowing peer to peer transfers via WhatsApp. Freek, Roland and Ali also give their predictions on the future of the Dutch fintech market as a whole, and its impact on existing banks and financial products. Guests Freek de Steenwinkel – Lead Product owner Tikkie (ABN AMRO) Roland Booijen – Director of Digital Strategy & Innovation – ABN AMRO Ali Niknam – CEO of Bunq Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep 262. State of Fintech: Amsterdam appeared first on 11:FS. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode David interviews Paul Lipman, CEO of Bullguard, the consumer cyber security experts. Following very topical compromises of ransomware around the world, Paul explains how Bullguard are always fighting a constant battle with the “bad guys” to stay ahead of cyber threats to protect their customers across all their devices. We learn how institutions are still too reliant on old software, exposing their vulnerability and that “patching up” fixes are not enough. Paul reminds us that any software can be hacked and that cyber security education across all businesses and industries is paramount as often it’s us humans that let the side down, no matter how secure the internal systems are! Paul also discusses his new product, Dojo by Bullguard, a smart home security solution that is designed to protect all your smart devices in the home from being compromised and inadvertently sharing your data to unwanted third parties; and the Dojo Pebble, a notification device that updates you on the data security of your home and lets you know in real time if any threats are found. Want to know more? Read all about Bullguard and the Dojo product on their website or follow Paul on Twitter. Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep 261. Interview – Paul Lipman, CEO of Bullguard appeared first on 11:FS. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode In the third of our three part Blockchain Special, Simon and Colin are joined by some very special guests to discuss EEA, ZCash and the potential similarities between blockchain and the rise of cryptocurrencies and the dot-com bubble in the 90s, and asks the question: “Why should we be paying attention?”. They also debate the anonymity of blockchain and user privacy; and centralisation vs decentralisation in blockchain APIs – do we still need the middle man? In the second half they discuss highly topical news stories such as the EU’s pledge to invest in blockchain research and Theresa May’s proposal for greater internet security and access to public data – is she asking for the impossible? Like what you heard? Look out for Blockchain Insider – a dedicated podcast to all things blockchain, coming soon! Guests Jack Gavigan – COO at Z-Cash (The Zerocoin Electric Coin Company) Alex Batlin – Co-Founder at Enterprise Ethereum Alliance and Global Head of Emerging Business & Technology and Global Blockchain Lead at BNY Mellon Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep. 260 – Blockchain Special Part 3: EEA and ZCash – Open Blockchains for Enterprise? appeared first on 11:FS. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode Aden and Simon are joined by regulars Kadhim and Liz for the news. This week we find out if it’s really necessary to use VR in banking; and, as ATMs are dying and costing banks to run, we discuss the pros and cons of hard cash versus digital transactions – and the various reasons why people are still keen on cash. We also myth-bust the theory that consumers are less trusting of robots or AI for banking and money movements than they would be for major surgery; and if it’s true Google can track what you’re buying online and offline via your credit card purchases – and how do we feel about this? Finally, the team debate the importance of big banks and banking regulators beginning to pay attention to fintech, and why Chicago should be a fintech hub, but isn’t. Guests Elizabeth Lumley FinTech commentator & Author of girl-disrupted.com Kadhim Shubber, Reporter at Financial Times News this week Finextra – BNP Paribas jumps into virtual reality – Link Finextra – Bank of America preps data sharing service – Link Finextra – Dutch banks bid to manage falling cash use through joint ATM network – Link HSBC partners with AI startup to combat money laundering – Link Bloomberg – HSBC Discovers Consumers Trust Robots for Surgery Over Savings – Link MIT Techreview – Google Now Tracks Your Credit Card Purchases and Connects Them to Its Online Profile of You – Link President of the ECB talks Fintech – Link Sydney Morning Herald – China’s P2P lending market 24x bigger than the US fintech lending market – Link Coindesk – India’s ‘BankChain’ Consortium Launches Blockchain KYC System – Link Chicago should be a fintech hub but why isn’t it? – Link The post Ep259 – News: Dirty Money appeared first on 11:FS. Special Guests: Kadhim Shubber and Liz Lumley. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode We welcome back Valentin Stalf, CEO of N26 back to the show. Simon spends some time to catch up with Valentin on N26’s growth and how they’ve forged ahead expanding to new countries. Valentin talks about what is needed to be done to enter the UK market. We cover N26’s growing pains related to cyber security, Valentin’s approach to countering it and using bug bounty programs to create a sustained defence. We talk to advantages of digital on boarding and what the future looks like for N26 and open API’s. We then find out what it’s like to be a young CEO and how to stay productive while having the world on your shoulders. You can follow Valentin on Twitter here and learn more about N26 on their website. Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep258 – Interview: Valentin Stalf, Co-Founder & CEO at N26 appeared first on 11:FS. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode Part 2 of our Blockchain Special, Simon and Colin with a roster of fascinating guests focus on the recent Consensus conference. We cover what the conference is, who should be attending and where it means to the industry. We give you a crash course on the difference between cryptocurrencies and DLT, what the main impacts ledger technology will have on banks and what is causing the major spikes in crypto currency prices right now. Stay tuned in for our final part next week. Guests Ghela Boskovich Ajit Tripathi, Director, Fintech and Digital Banking at PwC Jeremy Millar, Chief Of Staff at ConsenSys Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep257 – Blockchain Special Part 2: Consensus Recap appeared first on 11:FS. Special Guest: Ghela Boskovich. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode David, Jason and Simon jump into the news accompanied by Richard Davies. This week borderless bank accounts, can your voice be secure and we make Simon talk Apple pay. We also have interviews from Transferwise, Seedrs and Pensionbee to cover their big announcements this week. Guests Richard Davies Global Head of Propositions at HSBC Joe Cross General Manager at Transferwise Jeff Lynn CEO at Seedrs Romina Savova CEO at Pensionbee News this week Techcrunch – TransferWise launches ‘Borderless’ account for businesses, sole traders and freelancers – Link BBC fools HSBC voice recognition security system – Link Apple Pay now supports higher value transactions at most UK contactless tills – Link American Banker – If banks wait for APIs to be mandated, it will be too late – Link British firm Seedrs plans a secondary market for crowd-funded shares – Link afr.com – How Pocketbook went from a Sydney spreadsheet to a fintech with 300,000 users – Link PensionsBee partners with Revolut Crypto craziness! A story on it all going off! Reuters – BofA, HSBC, Intel, others invest $107 mln in blockchain startup R3 – Link The post Ep256 – News: We’re Breaking Free appeared first on 11:FS. Learn more about your ad choices. Visit megaphone.fm/adchoices

For this very special edition of Fintech Insider Interviews, Simon had the chance to talk to Christopher Giancarlo, Acting Chairman of the CFTC. Christopher walks us through what the CFTC is and how they differ from the SEC. He talks about how the CTFC are trying to foster new innovation through their LabCFTC initiative. LabCFTC is an effort to become an early adopter regulator looking into applications of machine learning, AI, DLT and Blockchain technologies being applied to regulatory challenges. Christopher speaks to Simon about the value of new technology and what an updated regulatory environment could look like going forward. Want more of Christopher? You can follow him on Twitter here. You can find out more about the CFTC on their website. Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep255 – Interview: Christopher Giancarlo, Acting Chairman CFTC appeared first on 11:FS. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode As crypto currency interest and prices reach an all time high Simon and Colin bring you the first of a three part special on Blockchain. We delve into the hurricane of news that surfaced this week talking all time high prices, Bitcoin’s effect on national security and the CFTC’s foray into the blockchain. In our second half tokens and ICO’s are on the table as we explain what exactly an ICO is, what tokens are, what industries are reacting and why you should be paying attention. Keep an eye out for part 2 next week! Guests Kadhim Shubber, Reporter at Financial Times Euros Evans Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep254 – Blockchain Special Part 1: Tokens appeared first on 11:FS. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode Jason, Simon and Andra are joined by Myke and Liz for the news. We find out if bitcoin to blame for ransomware, whether consumers actually want to cut the banks out of loans. Everyone debates why anyone would want to buy the Co-Op. Jason commits a vile podcast sin and will Google be your next bank? Guests Elizabeth Lumley FinTech commentator & Author of girl-disrupted.com Myke Hurley Co-Founder at Relay FM News this week BBC News – Massive ransomware infection hits computers in 99 countries – Link The Register – After years of warnings, mobile network hackers exploit SS7 flaws to drain bank accounts – Link Business Insider – Zopa becomes the first of the ‘Big 3’ peer-to-peer lenders to be authorised by the City watchdog – Link Business Insider – Startup bank Tandem cuts headcount after funding setback – Link City AM – Virgin Money walks away from Co-op Bank takeover talks after months of speculation – Link Quartz – The world’s most successful mobile money market is introducing cross-network transfer systems – Link Symphony secure messaging app gets 63m at 1b – Link Fortune – Amex debuts its first Alexa Skill – Link Harvard Business Review – Link Finextra – UK consumers ready to swap banks for tech giants – Link Money Watch – DrnkPay: Payments System Aims To Stop Drunken Spending – Link The post Ep253 – CyberRansomWarfare! appeared first on 11:FS. Special Guest: Liz Lumley. Learn more about your ad choices. Visit megaphone.fm/adchoices

David interviews Claire Calmejane Director of Innovation and Digital Centre of Excellence at Lloyds Banking Group. Claire explains what it means to be leading innovation at Lloyds, we investigate what makes up being a true innovator and what different skills you need to balance to be effective in the space. Better get growing that technology leg! We learn a bit more about what Lloyds is doing to not just promote open banking but foster better education about new developments within the company. Claire discusses the effect of the technology giants in the banking world and the diversification of your companies offerings should be looking to services. Want more of Claire? You can follow her on Twitter here. Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep252 – Interview: Claire Calmejane appeared first on 11:FS. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode On this week’s Insights show we delve deep into the world of consumer Fintech. We speak with the best in the business on how Fintech compares with other technology developments like fitness and communication and what Fintech looks like as people integrate it into their lives. We find out what it takes to get people to try something new and whether Fintechs can be trustworthy compared to incumbent banks. All this and more on Fintech for The Average Joe Guests Charlie Taylor – Analytics & Growth Lead at Curve Ed Maslaveckas – CEO & Co-founder at Bud Lukas Zoerner – Founder at MoBillity Victor Trokoudes – CEO & Co-founder at Plum Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep251 – Fintech For The Average Joe appeared first on 11:FS. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode We discuss what a challenger bank really is – drawing a line in the sand for who is and who isn’t in the cool kids club. Alipay seems to be taking over the world through tourism, we discuss how that strategy might be the best route into the west. Debit cards are finding into the hands on children, how do we make sure kids don’t go crazy with (and power) – is this the new way for banks to acquire customers? All this and more on the news this week. Guests Elizabeth Lumley FinTech commentator & Author of girl-disrupted.com Ajit Tripathi, Director, Fintech and Digital Banking at PwC Dave Tonge, CTO at Moneyhub James Lloyd, Asia-Pacific Fintech Leader at EY Julian Sawyer, COO at Starling Bank Our community contribution was from Nina Mohanty this week (@ninamohanty) News this week Banking Technology – FinTech companies blast banks over PSD2 direct access angst – Link The Telegraph – Upstart Challenger Banks eye consolidation – Link Banking Technology – Deutsche Bank leads charge for pan-industry e-identity platform – Link Bloomberg – Apple Can Thank Alipay for Shopping – Link Global Times – WeChat expands in US, EU – Link MacRumours – Visa and Payments Startup ‘Current’ Launch Debit Card for Kids That Ties to Parental Control App – Link Banking Innovation – Barclays Gives Users Total Control Over Debit in Effort to Stop Card Fraud – Link FT – Aviva chief executive hits out at personal insurance market – Link Recode – Square is rolling out its first debit card – Link Finextra – Starling opens payment services unit – Link Reuters – Top French bank chief attacks no-frills rivals for freeloading – Link The post Ep250 – If You Liked It, Then You Should’ve Put A Blockchain On It appeared first on 11:FS. Special Guest: Liz Lumley. Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s an interview double header! We talk to Poornima Vijayashanker and Lawrence Wintermeyer. First up Aden interviews Poornima Vijayashanker about her work on Femgineer, her previous life at Mint and what it meant to be at the forefront of Fintech before Fintech had broken through After the break Chris Skinner interviews Lawrence Wintermeyer about Innovate Finance’s new Industry Sandbox Consultation. We discuss why a sandbox is important, who should be getting involved, where we currently are with the regulators. This is a great insight into where the industry is going next and how companies both big and small can make a difference. Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep249 – Poornima Vijayashanker & Lawrence Wintermeyer appeared first on 11:FS. Learn more about your ad choices. Visit megaphone.fm/adchoices

David and Jason have the wind knocked out of them as they interview Gary Vaynerchuck for this very special Fintech Insider Interview. People hand me million dollar scopes and ask me for a selfie We discuss how staying plugged in and not being complacent is what keeps you ahead. Gary schools us on authenticity and how to earn the buy through giving everything you have for one ask. We learn about how Vaynermedia is getting ready to butt heads with BCG and McKinsey, and the source of why the biggest brands on earth are knocking on Gary’s door. There is a not a single client that does the work I want them to do… Period. Want more of Gary? Subscribe to our Youtube channel to see him in action. Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep248 – Gary Vaynerchuk appeared first on 11:FS. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode Could Apple have a viable payments platform? Simon gets back from holiday, we had some questions about his new lifestyle choices. We get to the bottom of why Spotify may need a blockchain. Nigel Walsh drops by to talk to us about insurtech funding and we start filling out our mortgage applications to our parents. Guests Joining us for this week’s analysis of the news: Sarah Kocianski, Senior Research Analyst Fintech at Business Insider UK Kadhim Shubber, Reported at Financial Times News this week Recode – Apple is in talks to launch its own Venmo – Link Medium – The first real revolution in venture capital: crypto tokens – Link Coindesk – The United Nations Just Launched Its First Large-Scale Ethereum Test – Link Techcrunch – Spotify acquires blockchain startup Mediachain to solve music’s attribution problem –Link Techcrunch – PayPal launches a small biz toolset, ‘Business in a Box,’ with WooCommerce & Xero – Link FT – Bank of Mum and Dad is ninth-biggest lender with £6.5bn loans – Link Submitted by listener Quinn Dempsey on Twitter, American Banker – JPMorgan defection underscores tough blockchain choices – Link Neshoba Democrat – The Citizens Bank launching interactive tellers – Link FT – Investment in insurance tech start-ups drop sharply – Link Globes – Jes Staley sees technology as driving globalisation and changing banking, but says there’ll always be a Barclays. – Link Backchannel – The AI Cargo Cult – The myth of super hero AI – Link The post Ep247 – Making BOMAD a Thing appeared first on 11:FS. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode Simon and David sit down with Richard and Maya to discuss the state of the Blockchain. We explore where we are with blockchain and ledger tech, blockchain awareness in the workplace and how we are moving from understanding the technology to applying it in real business situations. We dive deep on whether blockchain can be applied to KYC and whether maybe sometimes a centralised API might be a better idea than a decentralised blockchain. Guests Richard Crook, Head of Innovation Engineering at RBS Maya Zehavi, Vice President of Product at QED-it Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep246 – Finding Blockchain’s Feet appeared first on 11:FS. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode Our last news show at Level39, Aden Davies is on point for the first time, as we dive into the world of ageing plastic cards, whether social networks should be their own police force, there’s an update from the East, and just how legacy banking systems are maintained… the answer is cowboys. Don’t forget you can use our code 11FS17 to save £100 on your ticket to the Global Digital Banking Conference (http://www.globaldigitalbanking.com/). Guests Joining us for this week’s analysis of the news: Anna Irrera, Fintech Correspondent at Reuters James Lloyd, Asia-Pacific Fintech Leader at EY Ghela Boskovich News this week Engadget – Smart card Plastc goes under despite $9m in preorders, without shipping a single card – Link BBC – Mastercard reveals credit with fingerprint sensor – Link Business Insider – Allianz goes for Lemonade – Link Guardian F8 Roundup – Shark AR, Mind reading technology & group payments – Link Bank Innovation – 5 financial services bots launched at facebook-f8/ Link The Paypers – Alipay, Wechat Pay reach USD 2.9 trillion online payments in China – Link Finextra – Robinhood app rises $110 million series C at a $1.3bn valuation – Link Token.io raises $15.7m series A funding from Octopus, EQventures and OP Financial – Link Reuters – Banks scramble to fix old systems as ‘COBOL Cowboys’ ride into the sunset – Link Techbullion – Top 10 Fintech Influencers to follow on Twitter – Link The post Ep245 – Mandatory Listening appeared first on 11:FS. Special Guest: Ghela Boskovich. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode Jeremy Burge joins us to discuss the wonderful world of Emoji. David and Jeremy discuss how emoji are taking over a large amount of communication. Jeremy explains what it means to be part of the Unicode consortium and how misinterpretation happens between companies. Did you know dinosaurs are coming to a phone near you? Find out which two made the cut. We also discuss how companies are using emoji to communicate better across social platforms and in their marketing. “No matter what you say, it jumps out a little bit more if there in an emoji in there.” Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep244 – Jeremy Burge, Chief Emoji Officer of Emojipedia appeared first on 11:FS. Learn more about your ad choices. Visit megaphone.fm/adchoices