On this special edition of Fintech Insider Insights, David M. Brear, Group CEO at 11:FS, is joined by Ian Rand, CEO of Monument Bank - a pioneering digital private bank designed for mass affluent individuals.

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For those listening in GCC and Turkey, this episode is sponsored by XM: ⁠https://bit.ly/FintechCopyTrade⁠ 

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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

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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

Sign up for a new account on Lightyear and receive $15 worth of a US fractional share when you use this link: http://lightyear.com/11fs or enter the code 11FS manually in the Promotions section.

Code conditions: Complete onboarding and fund at least £50 into your General Investment Account after entering the code. The code can only be used if you haven’t redeemed any code before. Once conditions are met, you’ll get $15 worth of a US fractional share of your choice.Capital at risk, ISA rules apply. Provider of the investment services is Lightyear U.K. Ltd for the UK and Lightyear Europe AS for the EU.

Terms apply: https://lightyear.com/terms. Seek qualified advice if necessary. This is not investment advice.

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For those listening in GCC and Turkey, this episode is sponsored by XM: https://bit.ly/FintechCopyTrade 

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Host Laura Watkins, Director of Media & Marketing, 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.

Global Payments is buying Worldpay, also selling its Issuer Solutions unit to FIS in a major two-part deal which once closed is expected to turn Global Payments into a streamlined, pure-play merchant solutions company with boosted enterprise and e-commerce capabilities. Saudi Arabia has surpassed the UAE to drive Venture Capital funding in the MENA region to its highest levels since 2023. Circle, the company behind the USDC stablecoin is set to launch a cross border payments network in the coming weeks as they gear up for a long awaited IPO. Haboo money has partnered with Griffin to launch a "save as you repay" wallet scheme. British mid-sized lender Shawbrook has made a tentative £5 billion approach to a merger with digital bank Starling, as it explores alternatives to a lukewarm IPO market. We’re also looking at some of the most overused ‘buzzwords’ in Fintech, checking out some of the ones you could be using instead.

Intro - (00:00)

Global Payments to acquire Worldpay in $24bn deal - (05:28)

Saudi Arabia, UAE lead MENA VC funding to highest since 2023 - (18:01)

Circle to launch Stablecoin-powered Cross-Border payments network in May - (31:48)

haboo money partners with Griffin - (43:18)

Shawbrook weighs alternative to float with £5bn Starling merger approach - (55:03)

The most overused buzzwords in fintech and what to say instead - (59:14)

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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.

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

For those listening in GCC and Turkey, this episode is sponsored by XM. https://bit.ly/ClaimBonusFintech

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Host David Barton-Grimley is joined by some great guests to explore what fintech product leaders are doing to combat fraud.

Fraud isn’t going away anytime soon.

Scammers now use artificial intelligence, deepfake video calls, and emotionally manipulative tactics - like romance scams - to exploit a growing population of digital-first but fraud-naive users. For bad actors, it’s a golden era.

But fintechs aren’t standing still. They’re turning that same technology into defensive tools, aiming to stop fraud before it even starts.

In this episode, we unpack the modern fraud landscape and explore what it means to fight fraud at the product-build level - asking how product managers are tackling fraud from the very start of the creation journey and at every step thereafter.

Joe Colchester - Head of Product at 11:FS Pulse 

Tony Brancato - Chief Product Officer at Charlie 

Monica Millares - Chief Product Officer at BigPay

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Find out more about 11:FS Pulse

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

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

For those listening in GCC and Turkey, this episode is sponsored by XM: https://bit.ly/FintechCopyTrade 

Host Laura Watkins, Director of Media & Marketing, 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.

Revolut is currently developing a new points-based credit card. South African fintech Stitch has just raised USD 55 million to expand and optimise its unified payments platform across the country. Wise has announced a new full-stack hub in Hyderabad. Earned wage access platform Tapcheck has raised USD 225 million. About 60% of attendees used Coachella's ticket payment plan to spread out the cost of their USD 499 general admission ticket. The founder of Nate, an AI-powered shopping app, has been charged with fraud after it was revealed that the app's checkout process was actually powered by human workers, not AI.

Intro - (00:00:00)

Revolut to take on American Express with move into reward credit cards - (02:30:28)

Stitch secures $55m in new funding round - (15:18:25)

Wise making big tech moves in India - (30:55:00)

Tapcheck Raises $225 Million in Equity and Debt Funding to Redefine Payday for America’s Workforce - (40:40:12)

Many Coachella Attendees Are Buying Tickets Through BNPL - (52:27:09)

Nate founder charged with fraud over 'AI' shopping app secretly powered by humans - (55:02:04)

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.

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

For those listening in GCC and Turkey, this episode is sponsored by XM. https://bit.ly/ClaimBonusFintech

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On this week's Fintech Insider Insights, hosts Ross Gallagher and David Barton-Grimley are joined by some great guests to dive into funding.

Some have argued that the fintech industry was born in the aftermath of the 2008 financial crash, fuelled by low interest rates, abundant capital, and the promise of building something better than what came before. For years, the playbook was simple: raise big, scale fast, and disrupt everything.

After those heady heights, however, the dynamic has shifted. As reported by Innovate Finance, global investment in fintech dropped to $51.2 billion in 2023—a 48% decline from the previous year’s figure of $99 billion—following the pandemic.

So, where does this leave our entrepreneurs? Being a fintech founder can be a lonely, even terrifying prospect—unless you’ve got the backing of the best. Today, we’re going to explore what the current funding landscape actually looks like for fintech founders and funders.

Tom Easterby - Head of FinTech, Venture & Growth Banking at HSBC Innovation Banking 

Ruth Foxe Blader -  General Partner at Foxe Capital

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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

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

For those listening in GCC and Turkey, this episode is sponsored by XM. https://bit.ly/ClaimBonusFintech

Host Ross Gallagher, Head of Ventures, 11:FS is joined by a fantastic panel of returning guests as we dive into some of the biggest stories from the worlds of fintech, banking, and wider financial services this week.

Stories covered on the show:

This week's guests:

Plus soundbite from:

 Glen Waters, Head of Early Stage Tech and Life Sciences at HSBC Innovation Banking

Timestamps/stories :

Intro - (00:00)

Klarna pauses its IPO amid tariff turmoil - (04:59)

Early-stage investments dominate UK term sheets- (29:40)

Brazil central bank to launch Pix installment feature in September - (43:57)

Singapore start-up Airwallex to seek UK and US banking licences -(57:19)

Toulouse lets commuters pay for travel with crypto - (59:05)

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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

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

For those listening in GCC and Turkey, this episode is sponsored by XM. https://bit.ly/ClaimBonusFintech

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On today's show, we're asking: Is crypto still the rebellious outsider in finance, or has it finally earned its seat at the boardroom table?

With tokenisation, stablecoins, and Central Bank Digital Currencies (CBDCs) emerging, crypto seems caught between financial freedom and government oversight. Is it still a revolutionary force, or has it become just another cog in the system?

Early scams and volatility kept institutions wary, but is crypto now maturing beyond speculation into a true financial backbone? And if so, is it ready to lead?

Keith Grose - Senior Country Director, UK at Coinbase 

Adam Bialy - Flounder and CEO of Fiat Republic 

Amélie Arras - Marketing and Sales Director at Zumo

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

Fintech Insider by 11:FS is a bi-weekly podcast dedicated to all things finance, banking, technology, and financial services.

Our expert hosts, with real industry experience, are joined by the biggest decision-makers, VCs, and reporters from across financial services including guests from Visa, Nubank, M-Pesa, Starling, and JP Morgan Chase to discuss the latest news, developments, and trends within the industry.

Our weekly news show drops every Monday and tackles the biggest news stories, from acquisitions and launches, to regulatory changes and innovation. Then, every Thursday our Insights show dives deeper into the hottest topics shaping the industry like web3 and BNPL.

Whether you’re already immersed in the world of financial services, or just keen to learn more, this is the #1 podcast for you.

If you enjoyed this episode, don't forget to subscribe and please leave a review

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

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

For those listening in GCC and Turkey, this episode is sponsored by XM. https://bit.ly/ClaimBonusFintech

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Host David Barton-Grimley is joined by an expert panel of guests as we dive into some of the biggest stories from the worlds of fintech, banking, and wider financial services.

Robinhood is expanding beyond stock trading, introducing wealth management, private banking, and an AI investment tool. UK challenger bank Monzo has launched Contents Insurance. WeeFin, a fintech that helps financial institutions manage their sustainability strategies, has completed a €25m Series B financing round. Hull-based thankyü has launched, claiming to be the first decentralised peer-to-peer tipping platform. OpenAI has raised $40bn in funding, led by SoftBank, valuing the ChatGPT developer at $300bn.

Andy Smart - CPO of Monzo 

Grégoire Hug - CEO, and Co-Founder of WeeFin

Hannah Duncan - Award-winning freelance journalist 

Joe Colchester - Head of Product at 11:FS Pulse

Intro - (00:00)

Robinhood moves into wealth management and private banking - (05:57)

Monzo reveals half of renters are unprotected as it launches contents insurance - (16:49)

Sustainability fintech WeeFin raises €25 million - (31:58)

Wearable UK tipping fintech launches - (44:41)

OpenAI raises $40bn in deal with Softbank that values it as $300bn - (54:22)

Big drop in child surgery for swallowed objects - (56:54)

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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

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

Benjamin Ensor is joined by a panel of experts to discuss the state of financial literacy - an increasingly crucial topic amid inflation, economic uncertainty, and rising living costs worldwide.

Who should take the lead in teaching financial literacy: the government, the industry, parents, or individuals themselves? And what role does fintech play in shaping financial education?

Tune is as we discuss!

Elisabeth Prager - Co-founder of Aila Money 

Jenny Miller - Head of Product for North America at Wise 

Tom Davies - VP of Marketing at Yonder 

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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

Fintech Insider by 11:FS is a bi-weekly podcast dedicated to all things finance, banking, technology, and financial services.

Our expert hosts, with real industry experience, are joined by the biggest decision-makers, VCs, and reporters from across financial services including guests from Visa, Nubank, M-Pesa, Starling, and JP Morgan Chase to discuss the latest news, developments, and trends within the industry.

Our weekly news show drops every Monday and tackles the biggest news stories, from acquisitions and launches, to regulatory changes and innovation. Then, every Thursday our Insights show dives deeper into the hottest topics shaping the industry like web3 and BNPL.

Whether you’re already immersed in the world of financial services, or just keen to learn more, this is the #1 podcast for you.

If you enjoyed this episode, don't forget to subscribe and please leave a review

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

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

Host Ross Gallagher is joined by an expert panel of guests as we dive into some of the biggest stories from the worlds of fintech, banking, and wider financial services.

The worlds of TradFi and crypto merging once again as Kraken buys NinjaTrader, Lumber securing $15.5M to boost workforce management with agentic AI, Project Nemo teaming up with HSBC Innovation Banking to enhance disability inclusion in fintech, Robinhood launching banking and wealth management services, and Chime launching Instant Loans.

Oleg Pravdin - Head of Product at Lumber 

Joanne Dewar - Project Nemo Lead at Project Nemo 

Miguel Armaza - General Partner at Gilgamesh Ventures 

Intro - (00:00)

Kraken bolsters multi-asset strategy with $1.5bn NinjaTrader acquisition - (06:57)

Lumber raises $15.5m to enhance workforce management platform with agentic AI - (16:56)

Chime Introduces $500 Instant Loans - (36:07)

Project Nemo partners with HSBC Innovation Banking to accelerate disability inclusion within FinTech - (44:50)

Robinhood is launching bank accounts that will deliver physical cash ‘to your doorstep’ - (57:40)

Paralympic gold medalist turns fintech CIO at Enfuce - (01:01:19)

Sign up for Project Nemo and HSBC Innovation Banking's Digital Accessibility Launch

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

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