This week we have some huge stories for you as David and Simon are joined by two fantastic fintech CEOs:

We kick off the episode with a story that'll give you 24 billion reasons to be impressed with the state of the UK's financial industry. It's the first time the four biggest lenders have made more than £20BN since 2007 and while it might appear to be a return to the good old days of pre-financial crisis finances, Romi points out that although the numbers are great, they might not be as great as they would have been in 2007 due to balance sheets. Tom also points out that banks have only made superficial changes so far but that's about to change (02:14).

Next up, we talk about Santander's $700M deal with IBM. Tom points out that we only ever see headlines like this at the start of project, never at the end describing the results. Romi talks about how it's a sign that change is coming, but why are companies that market themselves as technology companies outsourcing for technology? (13:34).

Later on in the show we discuss the RBS Remedies Fund. In a special segment with 11:FS' Adam Davis we discuss how this situation came to pass and the state of play of the fund at the moment. Tom puts the fund in the context of Monzo and how the challenger bank has £100M, the same amount of the second prize fund, to date on development (34:10).

We also announce the winners of the fund, just in case you've missed out (49:42).

Other stories included:

All this and much much more on this week's news show.

Don't forget to subscribe so you never miss an episode, leave a review on iTunes and let us know your thoughts on the stories @FintechInsiders on Twitter where you can also ask the hosts questions, or email [email protected]

This week's episode was produced by Laura Watkins, written by Dhanum Nursigadoo and edited by Alex Woodhouse.

Special Guests: Adam Davis, Leon Muis, Romi Savova, and Tom Blomfield.

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Sam Maule talks to AWS, Raifeissen Bank, Broadridge, FICO and Liberty Mutual on how Cloud is the new normal, moving to product and development cycles to Cloud in a matter of days rather than quarters and how capital markets and major banks are driving forwards Cloud adoption.

Agility tends to be the main theme behind Cloud adoption and integration but no-one's underestimating the human component. Technology might be a huge factor in financial services but people are the ones who ultimately drive these companies forwards and need to be trained in how to use the technology.

Sam talks to companies that have been doing Machine Learning for decades and discusses the issues in coming to the game too early as well as too late.

Our guests also talk about how to create a new level of security using data, why failing fast is terrible and how juggling 85 balls at a time means individuals only have 5% of their work week to deal with what they should be doing.

We have some amazing guests including:

Thank you to AWS for inviting us to AWS re:Invent 2018.

We hope you enjoy the show and, as ever, don't forget to subscribe!

Want to join the conversation on all the topics discussed? Tweet the show @fintechinsiders and if you really love the show, please leave us a review on iTunes.

This episode was produced by Laura Watkins and Petrit Berisha. Recorded by Michael Bailey and edited by Alex Woodhouse.

Cloud is a vital way to transform your business for the modern age, tap here to find out how to do it with AWS.

Special Guests: Claus Moldt, Gerhard Froehlich, John Heveran, Jonathan Allen, Laurence Thiery, Martin Dow, Megan Cooper, Philip Moyer, Rob Krugman, Scott Mullins, and Vladimir Simunovic.

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This week we have some huge stories for you as Sam's joined by:

We kick off the show for a US perspective on the super merger that broke on last week's show. Two of the US’ biggest banks merge to become a super bank, as BB&T buy SunTrust for $28BN in stock. It's a phenomenal merger and every one of our guests has a unique take on the story. The banks are 'super-regional' which just means they're not one of the top five in the USA. They still each have assets of over $200BN. It'll make the new bank the sixth largest bank in the USA with $442BN in assets $301BN in loans and $324BN in deposits. 3100 of their branches are within 20 feet of each other (03:10).

You can watch the YouTube video of our panel discussing the story here.

Next up the US group discuss Chime's incredible acquisition of 10K accounts in a day, starting with a great question from Teana Baker-Taylor on whether digital banks in the US really have different regulations compared to traditional banks. We actually gave them an 11:FS Pulse award for Best US disruptor before this happened, we're geniuses. We take a look at how the UK challengers are eyeing up the USA and how the outage with Wells Fargo was one of the best advertising campaigns for Chime (15:00).

Other stories include:

All this and much much more on this week's news show.

Don't forget to subscribe so you never miss an episode, leave a review on iTunes and let us know your thoughts on the stories @FintechInsiders on Twitter where you can also ask the hosts questions, or email [email protected]

This week's episode was produced by Laura Watkins and edited by Alex Woodhouse.

Special Guests: Alexa Fernandez, Joaquin Ayuso de Paul, Mark Meisner, Rishi Khosla, and Teana Baker-Taylor.

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Can you feel the #digitallove?

We certainly could at the first After Dark of 2019.

Just one day before Valentine's Day over 200 of finances' finest entered the tower of One Canada Square in Canary Wharf. Set high above the city of London at Level 39, it was standing room only for a show that sold out in six hours. Before we started the show with our first fin-couple, a rebearded David kicked off support for the 11:FS charity of 2019, Mind. Text GIVI88 to 70070 with your chosen amount to donate.

Our first pairing on stage were, Tom Davenport, Head of Strategic Partnerships at MarketInvoice and Ian Rand, CEO of Business Banking, Barclays. Ready and eager to go through their nascent relationship with 11:FS' very own Sarah Kocianski. The couple took us through just how deep their integration really is, who's giving and who's taking and the tensions they're concerned about for the future. We also have some great Hollywood-style couple names for the iconic pairing...could BarketInvoice be advertising in the near future?

Roving reporter Ross Gallagher, aka the Terry Wogan of fintech, was walking through the crowd after each couple to hear questions from the audience and bringing his trademark charm to the event.

The next fin-couple on the stage have been together for a little longer, they're past the honemoon phase and they're into the real work of a relationship. Josh Bottomley, Global Head of Digital at HSBC and Ed Maslaveckas, CEO of Bud get on stage and are joined by host Jason Bates. 18 months into the relationship and it's safe to say that they're deep into the realities of the relationship. It's not a simple client/vendor relationship like ones they may have had in the past. It's real. Our second couple explain what they got upto before the settled down, why they picked each other and how their relationship is working out so far.

What would digital love be without a bachelor on stage? Representing BBVA we have Derek White, the Global Head of Client Solutions flying solo all the way from Madrid. Derek does a great job sidestepping any awkwardness with his ex in the room and tells us all about the relationships the spanish bank's had with guiding so many fintechs and how happy he is to be back in London - in his opinion the fintech capital of the world. Derek tells us what happens when partnerships don't work out, if having a scattergun approach works and how all BBVA's partners get enough attention.

For our final couple we're bringing on a couple near and dear to our hearts. Rasmus Figenschou, Group Executive Vice President at DNB and Leda Glyptis, CEO of 11:FS Foundry. The pair take us through who DNB flirted with partnering before choosing 11:FS, how DNB had to evolve and change in order to secure a partnership with a fintech like 11:FS and how having a long-distance relationship (international) impacts, hurts, or helps the collaboration.

A huge thankyou to everyone who came out to the show and made it such a great event. We can't wait to see you at our next After Dark! Details on that will be coming out real soon so be sure to sign up to the 11:FS newsletter and follow us on social media.

We hope you enjoy the show and, as ever, don't forget to subscribe!

Want to join the conversation on all the topics discussed? Tweet the show @fintechinsiders and if you really love the show, please leave us a review on iTunes.

This episode was produced by Laura Watkins. Edited by Alex Woodhouse.

Special Guests: Derek White, Ed Maslaveckas, Ian Rand, Josh Bottomley, Rasmus Figenschou, and Tom Davenport.

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This week we have some massive stories for you as David and Simon are joined by:

We couldn't NOT kick off with the story causing the most noise this week, and we were lucky enough to have Iona join us on the show to give us her perspective. Of course we're talking about THOSE Revolut-ionary Valentine's day tube adverts that caused a Twitterstorm (02:52).

We followed that with some breaking news from across the pod as 2 of the US’ biggest banks merge to become a super bank, as BB&T buy SunTrust for $28 BILLION in stock (18:50).

Other stories included:

All this and much much more on this week's news show.

Don't forget to subscribe so you never miss an episode, leave a review on iTunes and let us know your thoughts on the stories @FintechInsiders on Twitter where you can also ask the hosts questions, or email [email protected]

This week's episode was produced by Laura Watkins and edited by Alex Woodhouse.

Special Guests: Edward Maslaveckas , Iona Bain, Mel Palmer, Saumeel Pachigar, and Viktor Nebehaj.

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There's no question about the impact finances have on mental health and with today being Time to Talk Day (7th February) we wanted to take a closer look at how finance interacts with the mental health problems that affect 1 in 4 of us. Time to Talk Day wants to break down the stigmas around mental health and get people talking more openly about it.

Sarah's joined by Katie Evans, Head of Research and Policy, Money and Mental Health Policy Institute, Joe Surtees, Policy Manager at the Single Financial Guidance Body and James Nicholson, Engineer at Monzo to discuss why money's such a taboo subject in everyday discussion, spending for stress and whether technology can solve the problem or if it'll just exacerbate it. The group also discuss positive friction, the trap of frictionless finance those who struggle with spending and the reality that some people will simply never have enough money for their needs.

We take a look at these issues and many more on this week's episode of Fintech Insider.

We hope you enjoy the show and, as ever, don't forget to subscribe!

Want to join the conversation on all the topics discussed? Tweet the show @fintechinsiders and if you really love the show, please leave us a review on iTunes.

This episode was produced by Laura Watkins. Edited by Alex Woodhouse.

Special Guests: James Nicholson, Joe Surtees, and Katie Evans.

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Our hosts David, Simon and Sarah are joined by Oscar Williams-Grut, Senior City Correspondent at Yahoo Finance, Valentina Kristensen, Director, Growth and Communications at Oak North and Livia Benisty, Head of Financial Crime at Mimiro.

First up, China launches an app to dob in debt 04:01

Lloyds unveils 100% mortgage for first-time buyers 10:32

TrueLayer launches Open Banking-based payments API 20:27

FCA launches GFIN 27:37

We spoke to Anna Wallace from the FCA to tell us more 33:37

11:FS AMA with a question on which fintech has the best approach to building a banking marketplace 38:41

Stripe raises $100m at $22.5bn valuation 46:49

We spoke to Andy Challis, MD Principal Investments, and John Stecher, CIO at Barclays to give us insight into Barclays supersized accelerator 53:51

Barclays supersizes New York accelerator 56:30

Chief Innovation Officer, Neal Cross Bids Farewell to DBS Bank in Heartfelt Post 57:45

And Finally, HSBC launches ‘sound identity’ in next phase of global brand refresh 1:00:07

We spoke to VaynerMedia’s Patrick Givens, Head of VaynerSmart - to give us an expert’s perspective 1:03:25

All this and so much more on today's episode of Fintech Insider!

Special Guests: Andy Challis, Anna Wallace, John Stecher, Livia Benisty, Oscar Williams-Grut, Patrick Givens, and Valentina Kristensen.

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Michael Rouse is the CCO of Klarna.

David talks to Michael about avoiding the trap of copying others, partnering with a brand as unique as Snoop Dogg's, and the evolution of payments in a broad sense, beyond simply moving money into a service and discovering the new areas of innovation.

They also look at how to become both big and fast in the space and how that is born from creating a culture that allows people in the company to act autonomously. Michael talks about how empowering the leaders of Klarna's teams to think of it as running a business has been part of its success.

Klarna has managed to keep the entrepreneurial spark it started with nearly 14 years ago. Operating in the world of e-commerce and point of sale financing, Klarna is born out of the buy-now pay-later category and started in Sweden. Now they're operating in 18 geographies and around 60M consumers have used its product.

We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider on Twitter or Facebook.

Special Guest: Michael Rouse.

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Our hosts David, Jason and Sarah are joined by Daniel Macklin, Co-founder of So-Fi, board member and Angel Investor, Daniel Lowther, Head of FinTech at CCgroup and Freddy Kelly CEO of Credit Kudos.

First up, Snoop Dogg Invests In Klarna, Sweden's $2.5 Billion Unicorn 02:49

We've also got a great cutaway from Aoife Houlihan, VP Communications and Public Policy at Klarna to tell us more about the partnership 11:16

Square launches debit card for businesses 15:04

Google hit with £44m GDPR fine over ads 20:10

Alipay awarded e-money licence in Luxembourg 25:25

11:FS AMA with a question on if the big 4 Australian banks are more engaging than Monzo 39:30

Aussie digital bank Xinja makes crowdfunding move 45:11

Aussie digital bank Volt wins banking licence 48:30

Lloyds to cut costs with Thought Machine platform move 54:20

And Finally, Church of England: Contactless collection payments trialled 1:03:38

All this and so much more on today's episode of Fintech Insider!

Special Guests: Aoife Houlihan, Daniel Lowther, Dan Macklin, and Freddy Kelly.

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Reuben Lai is Senior Managing Director of Grab Financial Group.

Simon talks to Reuben about making taxis safe, opening bank accounts for those used to relying on a cash-first economy and how Grab Financial Group rose so high in the markets so fast.

Reuben talks about how Grab Financial worked to turn one of the least safe industries in Malaysia into reputable and safe service through fintech, removing the cash element of transactions to improve standards and ensure customers know what they're getting.

Grab Financial Group has had off the charts levels of hypergrowth - at only six years old the fintech is now operating in eight countries and 336 cities. Simon and Reuben go over Grab's expansion across South East Asia, the problems of entering a new market, convincing customers to move away from cash and using financial inclusion to encourage opportunities for a swathe of micro-entrepreneurs and consumers.

We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider on Twitter or Facebook.

Special Guest: Reuben Lai.

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