About this episode:

Content warning: This episode includes discussions of suicide, which some listeners may find distressing. Please take care while listening

Host Kate Moody, Fintech Strategy Director is joined by a fantastic panel of guests as we dive into some of the biggest stories from the worlds of fintech, banking, and wider financial services this week.

This week's guests:

Stories covered on the podcast:

On this week’s episode, we dive into why Visa is halting its open banking operations in the U.S., amid growing regulatory challenges. Square has made its product roadmap publicly available - but what are the pros and cons of such transparency?

We also explore why Revolut is offering free subway tickets to its U.S. customers, and examine The Commonwealth Bank of Australia's surprising reversal on its decision to replace call centre staff with AI. Plus, we take a closer look at the latest UK supermarket price hikes that have sparked widespread outrage across the country.

Timestamps:

Intro - (00:00)

⁠Visa halts open banking operations in US amid regulatory challenge- (05:46)

Square Mixes Bitcoin, Loans and Kiosks in ‘Open Roadmap’ - (19:33)

Revolut offering free subway rides to new NYC customers- (33:55) 

CommBank reverses plan to replace call centre staff with AI - (43:36) 

Bunq hit with €2.6m fine by Dutch central bank- (52:23) 

Customers feeling raw after Tesco adds 25p to price of a meal deal- (54:43) 

--

Support our sponsors:

If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.22% (AER), with instant access to your money. Plus, if you fund your new account with £5,000 in the first 30 days, you'll get £100 cashback. T&C's apply. Visit ⁠⁠⁠⁠tide.co/fintech⁠⁠⁠⁠ for full terms and use code 'FINTECH' to get started"

--

After Dark is back!

⁠⁠Tickets are available here.⁠⁠

--

About 11:FS

At 11:FS, we don’t just talk digital - we make it happen. We're building truly digital financial services by partnering with bold teams to take them from market insights to real-world products. Whether you're an incumbent innovating or a startup breaking new ground, we bring the strategy, research, design, and delivery to make it real. Less talk, more impact.Proud winners of the British Bank Award for Consultancy of the Year - five times and counting.

--

Links to check out:

Join our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠WhatsApp community,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Support our charity partner School-Home Support ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Subscribe to our Bitesized newsletter

--

About Fintech Insider:

Fintech Insider by 11:FS is a bi-weekly podcast that covers everything from finance and banking to technology and the latest trends in financial services.

Our expert hosts, with hands-on industry experience, are joined by key decision-makers, VCs, and top reporters from across the financial landscape, including guests from companies like Stripe, Revolut, Plaid, PayPal, and Monzo. Together, they break down the biggest news and innovations shaping the space.

Our weekly news show drops every Monday, covering major stories like mergers, new product launches, regulatory shifts, and emerging tech trends. On Thursdays, our Insights show goes deeper into the hottest topics driving the future of finance, including AI in banking, decentralised finance, and the evolving landscape of embedded finance.

Whether you're already in the fintech game or just starting to explore, this is the #1 podcast for you.

If you enjoyed this episode, don’t forget to subscribe and leave a review!

Got a question for us? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠!

Learn more about your ad choices. Visit megaphone.fm/adchoices

About this episode:

As a long, hot summer in fintech rumbles on, we thought we’d take a closer look at what’s heating up the industry right now - stablecoins.

Once a niche corner of crypto, stablecoins are now reshaping everything from cross-border payments and corporate treasury to on-chain finance and consumer savings. With an estimated $230–$270 billion in circulation and growing adoption from major players - Stripe, in 2025, launched stablecoin-powered accounts in over 100 countries; PayPal teamed with Coinbase to promote its PYUSD stablecoin; and Visa expanded its settlement system to support PYUSD and other tokens - stablecoins are no longer just for trading. They’re becoming the rails of the next-gen financial system.

In this episode, David Barton-Grimley is joined by an expert panel to unpack why stablecoins are exploding in popularity, how regulatory clarity in the EU and beyond is fuelling institutional adoption, and what it all means for the future of global finance.

This week's guests: 

--

Support our sponsors:

If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.22% (AER), with instant access to your money. Plus, if you fund your new account with £5,000 in the first 30 days, you'll get £100 cashback. T&C's apply. Visit ⁠⁠⁠⁠tide.co/fintech⁠⁠⁠⁠ for full terms and use code 'FINTECH' to get started"

--

Links to check out: 

After Dark is back! Tickets are available here.

Join our WhatsApp community, where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://chat.whatsapp.com/KpA4gFbbWDlLFm7kx39raf⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Support our charity partner School-Home Support ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

-- 

About 11:FS

At 11:FS, we don’t just talk digital - we make it happen. We're building truly digital financial services by partnering with bold teams to take them from market insights to real-world products. Whether you're an incumbent innovating or a startup breaking new ground, we bring the strategy, research, design, and delivery to make it real. Less talk, more impact.Proud winners of the British Bank Award for Consultancy of the Year - five times and counting.

--

About Fintech Insider:

Fintech Insider by 11:FS is a bi-weekly podcast that covers everything from finance and banking to technology and the latest trends in financial services.

Our expert hosts, with hands-on industry experience, are joined by key decision-makers, VCs, and top reporters from across the financial landscape, including guests from companies like Stripe, Revolut, Plaid, PayPal, and Monzo. Together, they break down the biggest news and innovations shaping the space.

Our weekly news show drops every Monday, covering major stories like mergers, new product launches, regulatory shifts, and emerging tech trends. On Thursdays, our Insights show goes deeper into the hottest topics driving the future of finance, including AI in banking, decentralised finance, and the evolving landscape of embedded finance.

Whether you're already in the fintech game or just starting to explore, this is the #1 podcast for you.

If you enjoyed this episode, don’t forget to subscribe and leave a review!

Got a question for us? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠!

Learn more about your ad choices. Visit megaphone.fm/adchoices

About this episode:

Host David Barton Grimley, Director of Startegy and Head of Product at 11:FS is joined by a fantastic panel of guests as we dive into some of the biggest stories from the worlds of fintech, banking, and wider financial services this week.

This week's guests:

Also featuring a voice note from Joe Colchester, Head of Product at 11:FS Pulse.

Stories covered on the podcast:

We dig into why Klarna is making major moves with its BNPL loans in the US. Monzo steps into the mobile space, riding high on impressive customer satisfaction ratings. We also take a closer look at Robinhood’s brand-new AI investing tool and what it could mean for your money.

Elsewhere, Peach Payments launches real-time payment features in the South African market -we find out what that means for merchants and users alike.

And yes, there’s time for another essential podcast discussion... this week, it’s all about biscuits, thanks to Zopa’s latest marketing campaign.

Timestamps:

Intro - (00:00)

Klarna to sell $26bn of US BNPL loans - (06:03)

Monzo to offer customers mobile plans  - (16:48)

Robinhood UK rolls out AI investing assistant to decode market movements-(31:32) 

Peach Payments introduces real-time clearance payouts - (41:42) 

Starling extends business banking suite with Ember acquisition- (52:47) 

Zopa marketing stunt invites consumers to bite into Biscuit - (53:54) 

--

Support our sponsors:

If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.22% (AER), with instant access to your money. Plus, if you fund your new account with £5,000 in the first 30 days, you'll get £100 cashback. T&C's apply. Visit ⁠⁠⁠tide.co/fintech⁠⁠⁠ for full terms and use code 'FINTECH' to get started"

--

After Dark is back!

⁠Tickets are available here.⁠

--

About 11:FS

At 11:FS, we don’t just talk digital - we make it happen. We're building truly digital financial services by partnering with bold teams to take them from market insights to real-world products. Whether you're an incumbent innovating or a startup breaking new ground, we bring the strategy, research, design, and delivery to make it real. Less talk, more impact.Proud winners of the British Bank Award for Consultancy of the Year - five times and counting.

--

Links to check out:

Join our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠WhatsApp community,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Support our charity partner School-Home Support ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

--

About Fintech Insider:

Fintech Insider by 11:FS is a bi-weekly podcast that covers everything from finance and banking to technology and the latest trends in financial services.

Our expert hosts, with hands-on industry experience, are joined by key decision-makers, VCs, and top reporters from across the financial landscape, including guests from companies like Stripe, Revolut, Plaid, PayPal, and Monzo. Together, they break down the biggest news and innovations shaping the space.

Our weekly news show drops every Monday, covering major stories like mergers, new product launches, regulatory shifts, and emerging tech trends. On Thursdays, our Insights show goes deeper into the hottest topics driving the future of finance, including AI in banking, decentralised finance, and the evolving landscape of embedded finance.

Whether you're already in the fintech game or just starting to explore, this is the #1 podcast for you.

If you enjoyed this episode, don’t forget to subscribe and leave a review!

Got a question for us? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠!

Learn more about your ad choices. Visit megaphone.fm/adchoices

About this episode:

AI has already delivered impressive gains - from streamlining back-office operations to powering conversational assistants. But Agentic AI represents an entirely new frontier.

These systems don’t just respond - they act. They make decisions, take initiative, and operate on behalf of users with a level of autonomy that could fundamentally reshape how banks and financial institutions serve their customers.

So, what’s still missing? What barriers are holding us back? And most importantly, what needs to happen for Agentic AI to deliver real value - for both customers and institutions?

In this episode, David Barton-Grimley is joined by Gradient Labs, who recently worked with a major UK bank to implement Agentic AI in a way that didn’t just automate, but truly transformed critical customer interactions. Alongside a panel of experts, the conversation digs into the biggest challenges around ownership, regulation, and trust.

Is Agentic AI the future of customer experience - or just the latest tech buzzword? You’re about to find out.

This week's guests: 

Dimitri Masin - CEO at Gradient Labs

Tim Elder - Chief Product Officer at Multiply

Aditi Subbarao - Strategic Partnerships Lead, Instabase

Find out more about Gradient Labs

--

Links to check out: 

Join our WhatsApp community, where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://chat.whatsapp.com/KpA4gFbbWDlLFm7kx39raf⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Support our charity partner School-Home Support ⁠⁠⁠⁠⁠⁠⁠⁠⁠

-- 

About 11:FS

At 11:FS, we don’t just talk digital - we make it happen. We're building truly digital financial services by partnering with bold teams to take them from market insights to real-world products. Whether you're an incumbent innovating or a startup breaking new ground, we bring the strategy, research, design, and delivery to make it real. Less talk, more impact.Proud winners of the British Bank Award for Consultancy of the Year - five times and counting.

--

About Fintech Insider:

Fintech Insider by 11:FS is a bi-weekly podcast that covers everything from finance and banking to technology and the latest trends in financial services.

Our expert hosts, with hands-on industry experience, are joined by key decision-makers, VCs, and top reporters from across the financial landscape, including guests from companies like Stripe, Revolut, Plaid, PayPal, and Monzo. Together, they break down the biggest news and innovations shaping the space.

Our weekly news show drops every Monday, covering major stories like mergers, new product launches, regulatory shifts, and emerging tech trends. On Thursdays, our Insights show goes deeper into the hottest topics driving the future of finance, including AI in banking, decentralised finance, and the evolving landscape of embedded finance.

Whether you're already in the fintech game or just starting to explore, this is the #1 podcast for you.

If you enjoyed this episode, don’t forget to subscribe and leave a review!

Got a question for us? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠!

Learn more about your ad choices. Visit megaphone.fm/adchoices

About this episode:

Join host Benjamin Ensor from 11:FS as he teams up with an expert panel to explore the week’s biggest stories across fintech, banking, and the broader financial services landscape.

This week's guests:

Aaron Carpenter, CEO at Transact Pay

Bruno Diniz, Managing Partner at Spiralem

Theodora Lau,  Founder of Unconventional Ventures

Also featuring a voice note from Daniel Kornitzer, VP of Global Partnerships at EBANX

Stories covered on the podcast:

This week, there's major payments news as Stripe and EBANX team up to bring Pix to SME clients in Brazil. Brex has secured a payments license to operate in the EU-but what does that mean for its IPO ambitions? We're also joined by TransactPay to unpack their recent acquisition by Marqeta and what it means for both companies. Meanwhile, Cambodia's Wing Bank has launched the country's first combined credit and debit card, and we take a closer look at the acquisition rumours swirling around UK fintech unicorn GoCardless. And finally, the creator of a beloved UK chocolate bar has sparked a national debate over shrinkflation...

Timestamps:

Intro - (00:00)

Stripe Gives Businesses Access to Pix Via EBANX Partnership- (06:22)

⁠Brex secures payment licence to serve EU- (19:28)

Marqeta Acquires TransActPay to Bolster Card Program Management- (36:06)

Cambodia's Wing Bank issues 2-in-1 combined debit and credit card -(45:51)

UK fintech unicorn GoCardless in acquisition talks-⁠ (45:51)⁠⁠
Freddo bar creator would be ‘rolling in his grave’ at its price today, daughter says ⁠- (56:29)

--

Support our sponsors:

If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.22% (AER), with instant access to your money. Plus, if you fund your new account with £5,000 in the first 30 days, you'll get £100 cashback. T&C's apply. Visit ⁠⁠tide.co/fintech⁠⁠ for full terms and use code 'FINTECH' to get started"

--

After Dark is back!

Tickets are available here.

--

About 11:FS

At 11:FS, we don’t just talk digital - we make it happen. We're building truly digital financial services by partnering with bold teams to take them from market insights to real-world products. Whether you're an incumbent innovating or a startup breaking new ground, we bring the strategy, research, design, and delivery to make it real. Less talk, more impact.Proud winners of the British Bank Award for Consultancy of the Year - five times and counting.

--

Links to check out:

Join our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠WhatsApp community,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Support our charity partner School-Home Support ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

--

About Fintech Insider:

Fintech Insider by 11:FS is a bi-weekly podcast that covers everything from finance and banking to technology and the latest trends in financial services.

Our expert hosts, with hands-on industry experience, are joined by key decision-makers, VCs, and top reporters from across the financial landscape, including guests from companies like Stripe, Revolut, Plaid, PayPal, and Monzo. Together, they break down the biggest news and innovations shaping the space.

Our weekly news show drops every Monday, covering major stories like mergers, new product launches, regulatory shifts, and emerging tech trends. On Thursdays, our Insights show goes deeper into the hottest topics driving the future of finance, including AI in banking, decentralised finance, and the evolving landscape of embedded finance.

Whether you're already in the fintech game or just starting to explore, this is the #1 podcast for you.

If you enjoyed this episode, don’t forget to subscribe and leave a review!

Got a question for us? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠!

Learn more about your ad choices. Visit megaphone.fm/adchoices

About this episode:

London was the fintech capital.

We weren’t just on the map. We were the map - the bloody compass, even.

But fast forward to today, and it doesn’t feel like we’re top dog anymore.

London’s not punching like it used to.

So… what happened?

More importantly - what now?

In this episode, host David M. Brear and a panel of knowledgeable guests ask: is London still leading the world in fintech and tech innovation, or has the crown quietly slipped?

This week's guests: 

Oliver Smith - Freelance Journalist

-- 

Links to check out: 

Join our WhatsApp community, where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://chat.whatsapp.com/KpA4gFbbWDlLFm7kx39raf⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Support our charity partner School-Home Support ⁠⁠⁠⁠⁠⁠⁠⁠⁠

--

Support our sponsors

If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4% (AER), with instant access to your money. Plus, if you fund your new account with £5,000 in the first 30 days, you'll get £100 cashback. T&C's apply. Visit ⁠⁠tide.co/fintech⁠⁠ for full terms and use code 'FINTECH' to get started"

-- 

About 11:FS

At 11:FS, we don’t just talk digital - we make it happen. We're building truly digital financial services by partnering with bold teams to take them from market insights to real-world products. Whether you're an incumbent innovating or a startup breaking new ground, we bring the strategy, research, design, and delivery to make it real. Less talk, more impact.Proud winners of the British Bank Award for Consultancy of the Year - five times and counting.

--

About Fintech Insider:

Fintech Insider by 11:FS is a bi-weekly podcast that covers everything from finance and banking to technology and the latest trends in financial services.

Our expert hosts, with hands-on industry experience, are joined by key decision-makers, VCs, and top reporters from across the financial landscape, including guests from companies like Stripe, Revolut, Plaid, PayPal, and Monzo. Together, they break down the biggest news and innovations shaping the space.

Our weekly news show drops every Monday, covering major stories like mergers, new product launches, regulatory shifts, and emerging tech trends. On Thursdays, our Insights show goes deeper into the hottest topics driving the future of finance, including AI in banking, decentralised finance, and the evolving landscape of embedded finance.

Whether you're already in the fintech game or just starting to explore, this is the #1 podcast for you.

If you enjoyed this episode, don’t forget to subscribe and leave a review!

Got a question for us? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠!

Learn more about your ad choices. Visit megaphone.fm/adchoices

Fintech Insider is about to hit 1000 episodes!

We’re celebrating this epic milestone with a very special Fintech Insider: After Dark.

Join fellow fintech fans for an evening of food, drinks, and good vibes as we bring you a live edition of our news podcast featuring your fave Fintech Insiders.

Tickets are free and available right now at 11fs.com/afterdark

 When: Wednesday 24th September from 6pm

Where: Village Underground, London

Our panel so far:

🎙️ David M. Brear - Group CEO at 11:FS

🎙️ Ross Gallagher - Head of Consulting at 11:FS

🎙️ Marcin Glogowski - SVP Managing Director for Europe and UK CEO at Marqeta

See you there!

This edition of After Dark is sponsored by Marqeta and Fireblocks.

Learn more about your ad choices. Visit megaphone.fm/adchoices

About this episode:

Join host Ross Gallagher from 11:FS as he teams up with an expert panel to explore the week’s biggest stories across fintech, banking, and the broader financial services landscape.

This week's guests:

Stories covered on the podcast:

This week, we delve into Revolut’s bid for a U.S. banking licence, examining it in the context of its prolonged “mobilisation” phase here in the UK. Cogo has launched a new electronification tool aimed at helping homeowners and vehicle owners save money - they join us to talk us through it. We also cover a record-breaking funding round by Alaan in the UAE, while Klarna is back in the spotlight - could an IPO revival be on the cards? Host Ross shares his thoughts on Hong Kong’s first stablecoin licences and Coinbase’s latest TV ad, which has stirred debate in the UK...

This week's guests:

Timestamps:

Intro - (00:00)

⁠Revolut weighs buying US bank to get licence⁠ - (06:22)

Cogo strengthens product portfolio with the launch of electrification tool - (19:28)

⁠AI-powered fintech Alaan  raises $48m, one of the largest Series A rounds in MENA- (36:06)

⁠Klarna considers autumn IPO revival- (45:51)

⁠Hong Kong to issue first stablecoin licences in early 2026⁠ - (56:29)

⁠Coinbase’s UK musical ad hits a nerve - sparking debate from crypto fans to founders- (58:04)

--

Support our sponsors

If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4% (AER), with instant access to your money. Plus, if you fund your new account with £5,000 in the first 30 days, you'll get £100 cashback. T&C's apply. Visit ⁠tide.co/fintech⁠ for full terms and use code 'FINTECH' to get started"

--

About 11:FS

At 11:FS, we don’t just talk digital - we make it happen. We're building truly digital financial services by partnering with bold teams to take them from market insights to real-world products. Whether you're an incumbent innovating or a startup breaking new ground, we bring the strategy, research, design, and delivery to make it real. Less talk, more impact.Proud winners of the British Bank Award for Consultancy of the Year - five times and counting.

--

Links to check out:

Join our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠WhatsApp community,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Support our charity partner School-Home Support ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

--

About Fintech Insider:

Fintech Insider by 11:FS is a bi-weekly podcast that covers everything from finance and banking to technology and the latest trends in financial services.

Our expert hosts, with hands-on industry experience, are joined by key decision-makers, VCs, and top reporters from across the financial landscape, including guests from companies like Stripe, Revolut, Plaid, PayPal, and Monzo. Together, they break down the biggest news and innovations shaping the space.

Our weekly news show drops every Monday, covering major stories like mergers, new product launches, regulatory shifts, and emerging tech trends. On Thursdays, our Insights show goes deeper into the hottest topics driving the future of finance, including AI in banking, decentralised finance, and the evolving landscape of embedded finance.

Whether you're already in the fintech game or just starting to explore, this is the #1 podcast for you.

If you enjoyed this episode, don’t forget to subscribe and leave a review!

Got a question for us? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠!

Learn more about your ad choices. Visit megaphone.fm/adchoices

About this episode:

This week’s episode is brought to you by someone who truly lives at the intersection of regulation and innovation: Colin Payne, Head of Innovation at the FCA.

If you’re not familiar with the FCA - the Financial Conduct Authority - it’s one of the UK’s key financial regulators. Think of it like the SEC in the US: overseeing markets to ensure they’re fair, transparent, and safe.

But Colin isn’t just observing the future - he’s actively shaping it. Join David Brear, Group CEO at 11:FS, as he dives into Colin’s unique journey and uncovers what it really means to lead innovation at the FCA.

This is a conversation that left David buzzing with positivity long after the mics were off - and one you definitely won’t want to miss.

This week's guests: 

Colin Payne - Head of Innovation at the FCA

-- 

Links to check out: 

Join our WhatsApp community, where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://chat.whatsapp.com/KpA4gFbbWDlLFm7kx39raf⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Support our charity partner School-Home Support ⁠⁠⁠⁠⁠⁠⁠⁠⁠

-- 

About 11:FS

At 11:FS, we don’t just talk digital - we make it happen. We're building truly digital financial services by partnering with bold teams to take them from market insights to real-world products. Whether you're an incumbent innovating or a startup breaking new ground, we bring the strategy, research, design, and delivery to make it real. Less talk, more impact.Proud winners of the British Bank Award for Consultancy of the Year - five times and counting.

--

Support our sponsors:

If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.22% (AER), with instant access to your money. Plus, if you fund your new account with £5,000 in the first 30 days, you'll get £100 cashback. T&C's apply. Visit ⁠tide.co/fintech⁠ for full terms and use code 'FINTECH' to get started"

--

About Fintech Insider:

Fintech Insider by 11:FS is a bi-weekly podcast that covers everything from finance and banking to technology and the latest trends in financial services.

Our expert hosts, with hands-on industry experience, are joined by key decision-makers, VCs, and top reporters from across the financial landscape, including guests from companies like Stripe, Revolut, Plaid, PayPal, and Monzo. Together, they break down the biggest news and innovations shaping the space.

Our weekly news show drops every Monday, covering major stories like mergers, new product launches, regulatory shifts, and emerging tech trends. On Thursdays, our Insights show goes deeper into the hottest topics driving the future of finance, including AI in banking, decentralised finance, and the evolving landscape of embedded finance.

Whether you're already in the fintech game or just starting to explore, this is the #1 podcast for you.

If you enjoyed this episode, don’t forget to subscribe and leave a review!

Got a question for us? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠!

Learn more about your ad choices. Visit megaphone.fm/adchoices

About this episode:

Join hosts Laura Watkins and Ross Gallagher from 11:FS as they team up with an expert panel to explore the week’s biggest stories across fintech, banking, and the broader financial services landscape.

This week's guests:

Stories covered on the podcast:

We discuss the UAE overtaking the UK in global fintech rankings, PayPal launching its new ‘Pay with Crypto’ feature, NatWest signing a formal agreement with PEXA to integrate its digital property exchange platform for remortgage transactions, Wise shareholders voting to move the company’s primary stock listing to the US, Australians making over 4 billion mobile wallet payments in the past year, and Revolut allowing 16–17‑year‑olds to upgrade from child accounts to controlled personal accounts for greater financial independence.

This week's guests:

Timestamps:

Intro - (00:00)

UAE usurps UK in global fintech rankings - (04:42)

PayPal unveils 'Pay with Crypto' feature - (18:28)

NatWest adopts Pexa digital remortgage platform - (33:58)

Wise votes in favour of US listing despite share class controversy - (44:44)

Australians embrace digital banking as digital wallet use surges - (55:04)

Revolut offers financial independence to 16-17 year olds - (57:33)

Check out Ross's article

Download our Homebuying report

--

Support our sponsors

If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.22% (AER), with instant access to your money. Plus, if you fund your new account with £5,000 in the first 30 days, you'll get £100 cashback. T&C's apply. Visit tide.co/fintech for full terms and use code 'FINTECH' to get started"

--

About 11:FS

At 11:FS, we don’t just talk digital - we make it happen. We're building truly digital financial services by partnering with bold teams to take them from market insights to real-world products. Whether you're an incumbent innovating or a startup breaking new ground, we bring the strategy, research, design, and delivery to make it real. Less talk, more impact.Proud winners of the British Bank Award for Consultancy of the Year - five times and counting.

--

Links to check out:

Join our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠WhatsApp community,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Support our charity partner School-Home Support ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

--

About Fintech Insider:

Fintech Insider by 11:FS is a bi-weekly podcast that covers everything from finance and banking to technology and the latest trends in financial services.

Our expert hosts, with hands-on industry experience, are joined by key decision-makers, VCs, and top reporters from across the financial landscape, including guests from companies like Stripe, Revolut, Plaid, PayPal, and Monzo. Together, they break down the biggest news and innovations shaping the space.

Our weekly news show drops every Monday, covering major stories like mergers, new product launches, regulatory shifts, and emerging tech trends. On Thursdays, our Insights show goes deeper into the hottest topics driving the future of finance, including AI in banking, decentralised finance, and the evolving landscape of embedded finance.

Whether you're already in the fintech game or just starting to explore, this is the #1 podcast for you.

If you enjoyed this episode, don’t forget to subscribe and leave a review!

Got a question for us? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠!

Learn more about your ad choices. Visit megaphone.fm/adchoices