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Fintech Insider is your ultimate guide to the world of finance and fintech from 11:FS - the leading independent fintech consultancy, recognised six times with the British Bank Award for Consultancy of the Year.
Our expert hosts, with real industry experience, are joined by the biggest decision-makers, VCs, and reporters from across financial services including Visa, Monzo, Nationwide, JPMorgan Chase, Wise, the Financial Times, and more to discuss breaking news and deep dive into the biggest topics and trends within the industry.
Our weekly news show drops every Monday and tackles the biggest news stories across M&A, open banking, embedded finance, payments, regulation and more. Then, every Thursday our Insights show dives deeper into the hottest topics shaping the industry like AI, regulation, Big Tech, the cost of living crisis, and more. Whether you’re already immersed in the world of financial services, or just keen to learn more, this is the #1 podcast for you.
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1111. Insights: Make a wish! What would you wish to change about Financial Services?
About this episode: It's episode 1111 of Fintech Insider, and we're making a wish! To celebrate this milestone, we're turning the tables on our usual hosts and asking a simple question: If you could change anything about financial services,
1110. News: Acorns targets Gen Z, Huntington teams up with Google Cloud, and Confide tackles agentic governance
About this episode: Host Laura Watkins - Director of Media and Marketing at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's guests: Pav Gill - Founde
1109. Insights: When AI agents become your colleagues, who keeps them in check?
About this episode: AI agents are moving beyond helping employees work faster. They're increasingly being connected to company knowledge, internal systems and workflows, allowing them to take action and become part of how organisations oper
1108. News: Ramp hits $60bn valuation, UK venture capital breaks records, and Bank of America and Amex face AML fines
About this episode: Host Ross Gallagher- Head of Consulting at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's guests: Joe Parkin - Managing Partner,
1107. Insights: Can banks turn high earners into wealthy customers?
About this episode: Earning a good salary doesn't necessarily mean building wealth. For a growing group of high earners, often referred to as HENRYs (High Earners, Not Rich Yet), the journey from financial success to long-term wealth can be
Bonus: Inside Project Nemo’s mission to make banking work for everyone
Millions of people need support managing their money, but financial services aren't always designed to make that easy, safe or accessible. So what needs to change? Host David M. Brear is joined by Joanne Dewar, Co-Founder of Project Nemo, a
1106. News: ASOS hit by cyberattack, UK finance eyes tokenisation, and can open banking help tackle credit exclusion?
About this episode: Host Ross Gallagher- Head of Consulting at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's guests: Alex Marsh - CEO of Salad Grou
1105. Insights: Who owns the banking relationship in the AI era?
About this episode: As AI becomes another interface between customers and their money, could banks lose their place at the centre of the financial relationship? Host Kate Moody is joined by Udi Ziv, CEO of Personetics, Megan Caywood, CEO of
1104. News: Nubank rules out Monzo takeover, Checkout.com opens the books, and Ramp hits Broadway
Welcome to this week’s Fintech Insider News podcast, where host Benjamin Ensor is joined by expert guests to unpack the biggest fintech and financial services stories of the week - and, for this week only, a little bit of theatre, darlings.
1103. Insights: Who’s winning the US digital banking race?
About this episode: US banking customers have more choice than ever. But does more choice mean better banking? Host Benjamin Ensor is joined by Joe Colchester, Head of Product at 11:FS Pulse, and Oliwia Wasik, Product Manager and Benchmark
1102. News: Amazon blocks Meta’s AI agent, Ryft raises £20m, and Sprive bags $10m
About this episode: Host Laura Watkins - Director of Media and Marketing at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's guests: Sadra Hosseini, C
1101. Insights: Why does your financial life reset when you move countries?
About this episode: Moving countries has never been easier. But what happens when your financial identity doesn’t move with you? Host Benjamin Ensor is joined by Merusha Naidu, Global Head of Partnerships at Paymentology, Ibrahim Oladele, F
1100. News- After Dark: Nubank takes on the US, Monzo Aura launches, and can you trust AI with your money?
About this episode: Our expert host David M. Brear, CEO at 11:FS, and co-host Kate Moody, Customer Strategy Director at 11:FS, present a very special edition of Fintech Insider News live from Village Underground in London. Joined by some fa
1099. Insights: Subscription banking - Can banks turn customers into subscribers?
About this episode: Subscription banking is growing – but what makes customers willing to pay for something they’ve traditionally expected for free? In this episode of Fintech Insider Insights, host Ross Gallagher is joined by Joe Wilson, C
1098. News: Chime buys Stride Bank, Molten raises £175m, UBS puts AI on the job spec
About this episode: Host Ross Gallagher - Head of Consulting at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's guests: Nadia Edwards-Dashti - Chief
1097. Insights: When money moves 24/7, can treasury keep up? With J.P. Morgan
About this episode: Money moves around the clock. But can treasury keep up? In this episode of Fintech Insider, in partnership with J.P. Morgan, host Benjamin Ensor is joined by Amy Eckhoff and Ross Webster from J.P. Morgan, alongside Nium’
1096. News: Singapore puts $173m behind fintechs, Plum picks Upvest, and US regulators tighten the rules
Host Benjamin Ensor - Director of Research and Strategy at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's guests: Valentina Kristensen - Corporate A
1095. Insights: Is financial services failing Gen Z?
About this episode: Gen Z is often told it needs to get better with money. But with younger people facing a very different economic reality, does Gen Z really have a financial literacy problem — or does financial services have a Gen Z probl
1094. News: UK fintech funding hits a decade low, NatWest backs accessible banking, and Pay.com.au takes on America
About this episode: Host Kate Moody - Customer Strategy Director at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's guests: Clare Black - COO at CFIT
1093. Insights: What it’s really like to start a fintech in 2026
Starting a fintech has never been easier but has building a successful one ever been harder? Host David M. Brear is joined by Fatbardha Rino, CEO of Jet Bank, and Herbie Wildwood, Founder of Legacy (https://givewithlegacy.com/), to explore
1092. News: Finally, the robots take over: Starling gets smarter, Stripe buys OpenRouter, and Visa and Mastercard unite on agentic payments
Host Laura Watkins - Director of Media and Marketing at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's guests: David Sullivan - Data Director of Sta
1091. Insights: Can AI make us financially healthier?
About this episode: For years, financial wellness has focused on helping people become better at managing their money. But what if the next generation of financial products could take some of that burden away entirely? Host Ross Gallagher i
1090. News: Can anyone stop Revolut? Can Countingup and Griffin tackle SME pain? Can the FCA help UK fintechs scale?
About this episode: Host Ross Gallagher - Head of Consulting at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's guests: Phoebe Wallis - Chief Revenue
1089. Insights: Why does wealth management arrive too late?
About this episode: For many founders, selling a company is seen as the finish line. But some of the biggest financial decisions around an exit happen long before the deal is done - so why does wealth management so often arrive too late? Ho
1088. News: Visa bets $2.4bn for BioCatch, InvestiFi raises $20m, and HSBC pulls back in Australia
About this episode: Host Benjamin Ensor - Director of Research and Strategy at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's guests: James Holmes,
1087. Insights: Can anyone fix homebuying?
Buying a home is one of the biggest financial decisions most people will ever make. Yet despite years of digital innovation, the experience remains fragmented, stressful and surprisingly analogue. Host Benjamin Ensor is joined by a great pa
1086. News: Wise tries again in the US, Western Union shuts its digital bank and Brazil reinvents BNPL
Host Kate Moody - Customer Strategy Director at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's guests: Matthew Goldman - Founder and Managing Member
1085. Insights: Are Neobanks replacing private banking?
About this episode: For years, neobanks competed by offering better banking experiences. Now, the biggest players are expanding into investing, AI-powered financial guidance, wealth management and premium services—areas once dominated by pr
1084. News: Ant's $1.2bn Raise, Teya Doubles Down on SMEs and Revolut Lands licence in Australia
About this episode: Host Laura Watkins - Director of Media and Marketing at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's guests: Alessandra Giner
1083. Insights: Why does running a business still feels harder than it should? With Sage
About this episode: In this episode, with partnership with Sage, we're exploring why running a business still feels harder than it should—and how embedded experiences are changing that. Host Kate Moody, Customer Strategy Director at 11:FS,
