Fintech Insider Podcast by 11:FS

• 970. Insights: The future of lending doesn't care about your credit score with Plaid, Affirm and N26

  About this episode: On this week's episode, in partnership with Plaid, host David Barton-Grimley is joined by some great guests to dive into the world of credit. For decades, traditional credit scores have been the foundation of lending - but in 2025, they’re starting to show their age. These outdated models are struggling to reflect how people actually live, work, and spend today - especially gig workers, freelancers, immigrants, and younger borrowers. So, what’s gone wrong with our credit systems? And more importantly - how do we fix them? This week's guests:  Zak Lambert -  Head of Product, Europe at Plaid Ankur Sisodia - Head of Product, Lending & Savings at N26 Alexander de Rafols - Director of Product at Affirm  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 ⁠⁠ Advertisements: If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.48% (AER), with instant access to your money. Plus, get the best rates for free for 12 months at tide.co/insider. 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

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• 969. News: Griffin goes AI, Mastercard’s new partnerships, and the top stories live from Money20/20

  About this episode: Host David Barton-Grimley, Director of Strategy at 11:FS, is joined by a fantastic panel of guests live at Money20/20 Europe, to dive into the biggest announcements and news stories from the conference. Stories covered on the podcast: Griffin announces the launch of its MCP server, AI Griffin. Openpayd expands its offering into stablecoins with infrastructure designed to better move and manage money globally. Mastercard announces major partnerships to drive the adoption of tokenisation, Click to Pay, and passkeys. We also hear about GoCardless’s new outbound payments feature, payabl.’s virtual business card launch, and Zilch’s partnership with Visa to offer a physical card. Plus, our three panellists share some personal Money20/20 highlights. This week's guests: David Jarvis - CEO at Griffin Lara Barbuto - Director of Compliance, Compliance Officer & MLRO at OpenPayd. Brice Van de Walle - Executive VP, Core Payments Europe at Mastercard Also featuring voice notes from: Ruwani Hewa, Product & Propositions Director  at GoCardless Laust Bertelsen, Co-founder of Banking Circle Ugne  Buraciene, Group CEO of payabl. Philip Belamant -CEO and co-founder  of Zilch Timestamps/stories:  ⁠Intro - (00:00)⁠ ⁠⁠Griffin has announced the launch of its MCP Server, AI Griffin-(5.25) ⁠⁠OpenPayd launches stablecoin infrastructure to move and manage money globally- (15.39) ⁠⁠Mastercard has partnered with major players like Santander, Delivery Hero, N26, and Worldline to drive adoption of tokenization, Click to Pay, and passkeys⁠⁠-(26.47) GoCardless expands payment platform with Outbound Payments-⁠⁠⁠⁠(37.08) ⁠⁠payabl. launches virtual Business Cards to empower smarter business spending-(38.08) ⁠⁠Zilch partners with Visa to accelerate growth and launch a physical card⁠⁠⁠⁠- (39.10) Banking Circle Partners with Visa Direct to Boost Global Payments- (40.10) --   Advertisements: If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.48% (AER), with instant access to your money. Plus, get the best rates for free for 12 months at tide.co/insider. -- 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

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• 968. Insights: How to improve spend management when on the move - Live from Money20/20 Europe

  About this episode: On this week’s episode of Fintech Insider Insights, recorded live at Money20/20 Europe in partnership with Adyen, host David Barton Grimley is joined by some great guests to take a deep dive into the pain points of spend management - and how embedded finance can help solve them.Now, we’re all aware of spend management, but how important is it, exactly, for small and medium-sized businesses in particular?At the forefront of addressing some of these challenges is a new partnership between Adyen and Spendesk.So, how is embedded finance better serving SMBs, and what role can new technologies play in harnessing its capabilities? This week's guests:  Stephane Dehaies - CEO of Spendesk Financial Services Joëlle Bønding - VP of Vertical Strategy for Platforms at Adyen 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 ⁠⁠ Advertisements: If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.48% (AER), with instant access to your money. Plus, get the best rates for free for 12 months at tide.co/insider. 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

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  40:40
• 967. News: Can Curve challenge Apple Pay? Plus: Google’s AI goes shopping

  About this episode: Host  Laura Watkins, Director of Media and Marketing 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. Stories covered on the podcast: Curve launches Curve Pay to compete with iOS in Europe. Google pushes ahead with its AI offering with an agnostic shopping experience. We talk through what the CFPB’s ruling means for the future of banking in the US. We also take a closer look at the South Korean payments market with Kakao’s acquisition of SSG Pay and Smile Pay to further digital optimisation in the country. There’s also been a boom in UK fintech hiring — and are Singapore really considering corporal punishment as a consequence for scamming? This week's guests: Aditi Subbarao - Strategic Partnerships Lead at Instabase Edoardo Volta- SVP Partner Marketing and Business Development at Curve Kate Flocken-Principal at FS Vector Timestamps/stories:  Intro - (00:00) ⁠Curve launches Curve Pay on iOS in EEA, competing with Apple Pay-(5.30) ⁠Google has launched an agentic shopping experience- (19.19) ⁠CFPB to ditch open banking rule⁠-(37.12) ⁠Kakao Pay plans to acquire SSG Pay and Smile Pay for digital optimisation in Korea-⁠(51.07) ⁠UK Fintech hiring surges-(1.01.10) ⁠Singapore considers caning as scams jump 70%-⁠(1.02.36.31) --   Advertisements: If you're running an early-stage business with Seed or Series A funding, Tide’s new savings account offers rates up to 4.48% (AER), with instant access to your money. Plus, get the best rates for free for 12 months at tide.co/insider. -- 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. ⁠⁠Open Mic Night Amsterdam tickets⁠⁠ ⁠⁠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

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  1:09:22
• 966. Insights: Inside the unbundling and rebundling of financial services

  About this episode: On this week’s episode of Fintech Insider, in partnership with Skaleet, host Benjamin Ensor is joined by some great guests to take a deep dive into the unbundling and rebundling of financial services. Now, you’ve probably heard the terms thrown around – but what does "unbundling" really mean?  Is it just a flashy way of saying financial services firms are breaking up their services? Or is it a deeper transformation of how financial institutions operate, innovate, and serve us all?  And if firms get this right, how will financial services look different in 2030? This week's guests: Martin Della Chiesa - CEO of Skaleet  Christian Rau - Senior Vice President, Global Partnerships Crypto, Digital Assets and Fintech at Mastercard  Emilia Bayer -  Senior Sales & Strategy Lead at Primer 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 ⁠Open Mic Night Amsterdam tickets⁠⁠ ⁠⁠Support our charity partner School-Home Support ⁠ Advertisements: 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. 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

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