312. Insights: Live! The future of money
Apr15

312. Insights: Live! The future of money

ABOUT THIS EPISODE Live from NYC’s New York Fintech Week with the DIT Sam’s joined by some great guests to talk about the future of money: Natalie Ceeney, Chair, Innovate Finance Robin Mackenzie, Chief Marketing Officer, De La Rue Andrew Boyajian, Head of North America, Transferwise Farrah Lakhani, Director, Growth and Operations at OakNorth Analytical Intelligence We kick off the episode by taking a look at the story so...

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311. News: Make tax great again
Apr09

311. News: Make tax great again

ABOUT THIS EPISODE This week we have some great stories for you as David and Ross are joined by a couple of great guests: Ken Hart, CEO and Founder of Snowdrop Solutions Megan Caywood, Managing Director at Barclays We kick off the episode by taking a look at Revolut’s newest scandal reveal. The Financial Conduct Authority has made enquiries into Revolut after being contacted by an ex-employee whistleblower who passed on their...

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310. Insights: Finastra takeover
Apr08

310. Insights: Finastra takeover

ABOUT THIS EPISODE David and Simon are with some great guests from Finastra, including: Simon Paris, CEO Eli Rosner, Chief Product and Technology Officer Martin Haering, Chief Marketing Officer Nicola Hamilton, Senior Director, Brand and Communications We’re bringing you an insight into how to manage diverse sets of client requirements, handling varying paces of change and overcoming the hurdles regarding legacy brands. We also...

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308. Insights: Fintech Friday in Luxembourg
Apr01

308. Insights: Fintech Friday in Luxembourg

ABOUT THIS EPISODE Last year we introduced you to the wonderful world of Luxembourg fintech through LHoFT, nine months later we’ve been invited back. Laura Watkins explores how Luxembourg has solidified its place in Europe as a fintech hub and how this tiny country plans to extend its reach globally by talking to some of the key players in Luxembourg’s fintech space, including: Pierre Gramegna, Luxembourg Finance Minister,...

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307. News: Tinder for banking
Mar26

307. News: Tinder for banking

ABOUT THIS EPISODE This week we have some great stories for you as David and Jason are joined by two great guests: Caroline Plumb, CEO of Fluidly Simon Balmain, Operations and Community Specialist at Monzo We kick off the episode by taking a look at WorldPay selling to FIS and changing its tech stack. The group comments that it’s not a modern way to approach tech stack spending, it’s an oldschool way of doing things and...

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306. Interviews: Benoit Legrand, CIO of ING
Mar25

306. Interviews: Benoit Legrand, CIO of ING

ABOUT THIS EPISODE Benoit Legrand is CIO of ING. Simon talks to Benoit about his unsuccessful startup experiences and what they taught him, how ING sees itself as a 20 year old fintech, why some banks are afraid of PSD2 and how to focus on the problems customers are facing. They also take a look at Yolt, developing resistence to change and the importance of having a team dedicated to delivering change, why the scale of partnerships...

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304. Interviews: David Duffy, CEO of CYBG
Mar18

304. Interviews: David Duffy, CEO of CYBG

ABOUT THIS EPISODE David Duffy is the CEO of CYBG. Simon talks to David about CYBG’s recent acquisition of Virgin Money, how the challenger narrative is shifting and why integrating a challenger brand into CYBG’s existing services might be easier than industry commentators believe. They also take a look at Brexit, the future of the industry, how fintech and banks can partner together and what role the big tech platforms...

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303. News: Magic beans
Mar13

303. News: Magic beans

ABOUT THIS EPISODE This week we have some great stories for you as Sarah and Simon are joined by three great guests: Mel Palmer, CMO Exo Investing Matt Valentine, Barclays UK Ventures Ali Paterson, Editor in Chief, Fintech Finance We kick off the episode by taking a look at some of the problems Revolut have been suffering from lately and the culture issues that are on-going. The general consensus is that response from Revolut has been...

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300. Insights: This. Is. Fintech.
Mar04

300. Insights: This. Is. Fintech.

ABOUT THIS EPISODE It’s been a long two and a half years. But we’ve finally hit a huge landmark with our 300th episode. This episode is an 11:FS special with some of your favourite hosts: David Brear Simon Taylor Sarah Kocianski Ross Gallagher Jason Bates Plus extra special guest Marko Wenthin, Co-Founder of Solarisbank. Our panel take a trip down memory lane, going over the early days of trying to figure out audio...

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299. News: Buzzwords for everyone
Mar01

299. News: Buzzwords for everyone

ABOUT THIS EPISODE This week we have some huge stories for you as David and Simon are joined by two fantastic fintech CEOs: Tom Blomfield, CEO of Monzo Romi Savova, CEO of PensionBee 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...

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298. Insights: The future of cloud
Feb25

298. Insights: The future of cloud

ABOUT THIS EPISODE 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...

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296. After Dark: Digital Love
Feb18

296. After Dark: Digital Love

ABOUT THIS EPISODE 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...

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294. Insights: Money and Mental Health
Feb11

294. Insights: Money and Mental Health

ABOUT THIS EPISODE 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...

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293. News: Ain’t nothing but a GFIN
Feb05

293. News: Ain’t nothing but a GFIN

ABOUT THIS EPISODE 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...

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292. Interviews: Michael Rouse, CCO of Klarna
Feb04

292. Interviews: Michael Rouse, CCO of Klarna

ABOUT THIS EPISODE 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...

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291. News: My relationship is contactless
Jan29

291. News: My relationship is contactless

ABOUT THIS EPISODE 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...

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290. Interviews: Reuben Lai, Grab Financial Group
Jan28

290. Interviews: Reuben Lai, Grab Financial Group

ABOUT THIS EPISODE 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...

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289. News: Meaningful Merging
Jan23

289. News: Meaningful Merging

ABOUT THIS EPISODE Our hosts Ross and Sarah are joined by Lianna Brinded, Head of Yahoo Finance UK at Yahoo, Lucy Woolfenden, Marketing Director at Yolt and Wincie Wong, Head of Innovation for Supply Chain Services at RBS. First up, Fiserv to acquire First Data in all-stock deal with equity value of $22 billion 01:38 We spoke to 11:FS Managing Director of the Americas, Sam Maule to get his perspective on the Fiserv story 08:13 Atom...

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287. News: Bank like Rihanna
Jan17

287. News: Bank like Rihanna

ABOUT THIS EPISODE Our hosts David, Jason and Leda are joined by Jeppe Rindom, CEO of Pleo, Saalim Chowdhury, Partner at 500 Startups and Simon Vans-Colina, Engineer at Monzo. First up, RBS takes stake in student-focused fintech 02:22 Google gets go-ahead from Central Bank for payments 08:52 Two-Thirds of Financial Decision-Makers Believe Tech Giants Will Offer Retail Banking in Five Years 13:29 Logging In to Your Bank Account Is Now...

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Ep. 278. Fintech Insider: Live – Payments (F)innovation
Dec21

Ep. 278. Fintech Insider: Live – Payments (F)innovation

ABOUT THIS EPISODE In this week’s insights show we’re bringing you reindeer burgers, christmas trees and death metal. We’ve also got some great insight into the payments innovation taking place in Scandinavia, what the future of payments will look like and whether or not cash will be removed from society entirely. We’ve got Finland, Iceland and Sweden represented this evening so there’s a ton of local...

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Ep. 277. News: Sons of Breaches
Dec12

Ep. 277. News: Sons of Breaches

ABOUT THIS EPISODE Our hosts Simon and Ryan are joined by Menno van Leeuwen, Head of Business & Customer Development at Moneyou, Guy Stiebel, VP Products at SCANOVATE and Paul Stamper, Head of Financial Services, Ipsos MORI. First up, all the misinformation in the world. Monzo attacked for lending customers money to buy its shares. Monzo, has been accused of “going beyond the pale” by allowing its customers to get into debt to...

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Ep. 276. Insights. Regtech: where innovation meets compliance
Dec12

Ep. 276. Insights. Regtech: where innovation meets compliance

ABOUT THIS EPISODE In this week’s insights show we’re bringing you a deep discussion on what’s happening in the regtech space. We have some brilliant experts to take on these issues including: Jason Boud, CEO of Regtech associates Diana Paredes, CEO + Co-founder Suade Labs Nick Cook, Head of Regtech & Advanced Analytics FCA Nas Ahmed, General Counsel, 11:FS Our roundtable talks about what regtech is solving for,...

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Ep. 275. News: Ritual Humiliation
Dec11

Ep. 275. News: Ritual Humiliation

ABOUT THIS EPISODE Our hosts Sarah and Simon are joined by Emily Nicolle, Technology Reporter at CityAM, Valentina Kristensen, Director of Growth & Comms at OakNorth and Sophie Winwood, Investment Associate at Anthemis Group. First up, Show me the money! Monzo are crowdfunding for the last chunk of its series E fundraising round. Fundraising with a target of £20M. Existing Monzo investors will get early access to the round from 3...

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Ep. 274. Insights: Open Banking – a never ending story?
Dec10

Ep. 274. Insights: Open Banking – a never ending story?

In this week’s insights show we’re bringing you a deep discussion on what’s happening in the Open Banking space. Our roundtable talks about the challenges involved in implementing the rules and regulations around Open Banking and takes a look at the thorny problem of getting customers to buy-in to Open Banking. We have some of the best guests around to help: Adam Davis, Head of Delivery at 11:FS Dan Globerson, Head...

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Ep. 252. Insights: Islamic Fintech
Sep15

Ep. 252. Insights: Islamic Fintech

Today’s insights show takes a closer look at what’s going on in the Islamic finance space. We take a look at what Islamic Fintech actually is, its global scale, what makes it different from other areas of fintech, how it fits in with the push towards ethical fintech, and much more. We speak to the best experts to answer all these questions: Abdul Haseeb Basit – Co-founder and Principal, Elipses Harris Irfan –...

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Atom bank raises £149m in latest fundraising round
Mar07

Atom bank raises £149m in latest fundraising round

Durham-based Atom bank has raised £149m in a round led by cornerstone investors BBVA and Toscafund. As part of this fundraising round BBVA will invest a further £85.4m in the 5-star rated (Trustpilot) bank, increasing its ownership to around 39% subject to regulatory and shareholder approval. Toscafund will invest £54.4m and is also increasing its stake in the bank. A number of Atom’s other existing shareholders are also supporting...

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New GDPR Spotify playlist is music to data protection officers’ ears
Mar05

New GDPR Spotify playlist is music to data protection officers’ ears

Donorfy, the cloud-based fundraising CRM and donor management platform, has released a crowdsourced GDPR-themed playlist on Spotify, designed to aid data protection officers everywhere in their task to become GDPR compliant. The light-hearted playlist contains tracks from well-known artists such as Ed Sheeran, Blondie and Abba, together with track titles that remind data protection officers of their requirements, including Call Me...

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Ep. 185. Insights: Fintech for All
Feb26

Ep. 185. Insights: Fintech for All

Today we’re bringing you an insights show with a difference. A couple of months ago our 11:FS CEO David Brear was invited to be a judge of Tech City UK’s Fintech for All competition. This was a nationwide competition in 2017 to find fintech startups that make financial services work for everyone. As well as some fantastic entrants and eventual winners, this event got us thinking about the wider implications of financial inclusion....

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Ep. 182. Interview: The FCA’s exclusive announcement
Feb16

Ep. 182. Interview: The FCA’s exclusive announcement

Chris Woolard, Strategy and Competition Director, at the FCA speaks exclusively to Jason Bates about an announcement concerning their regulatory sandbox. Without giving the game away, they discuss the FCA;s latest paper about their future plans for the sandbox, how this will help companies and also take advantage of reg tech. Chris tells us about the success of the previous 4 cohorts of the sandbox to date, and what the future looks...

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Ep. 181. News: [The SME sector is] So Hot Right Now
Feb13

Ep. 181. News: [The SME sector is] So Hot Right Now

In this week’s news show Simon and Jason are joined by 11:FS NED Chris Skinner, Tanya Andreasyan, Editor at Banking Technology; Kristian Luoma – Head of OP Lab, in town from Helsinki for one night only and Cliff Evans, Head of Digital Banking at Capgemini, to take on the week’s top stories. This week they look at the monumental shifts in both global stock exchanges and crypto markets – what has been going on, can it...

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Ep. 180. Interview: Mike Kelly, CEO – Curl
Feb12

Ep. 180. Interview: Mike Kelly, CEO – Curl

Simon Taylor chats to Mike Kelly, CEO and founder of Curl, a new payment network, designed around merchants and consumers. It works via usernames and bank transfers, and is built around Open Banking, and the opportunities that’s developed in the market. Simon and Mike dig into what makes the Curl payment network stand out, what the rationale is behind the usernames, and the opportunities available with the arrival of Open...

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Ep. 179. Interview: Scott O’Malia, CEO, ISDA
Feb12

Ep. 179. Interview: Scott O’Malia, CEO, ISDA

Simon Taylor speaks to Scott O’Malia, CEO of ISDA, the International Swaps and Derivatives Association. Kicking off: what IS ISDA? Why is standardisation so important? How do companies work with ISDA? Scott tells us all. He also tells us about his unique background and career, from a front row seat to the financial crisis to regulating for the future to avoid future crises. Please note, we do not produce Fintech Insider, we...

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Ep. 178. News: Always look on the bright side…
Feb06

Ep. 178. News: Always look on the bright side…

In today’s show the team take on: whether Brexit really is more of an opportunity than a threat to fintech, as the MP involved seems to believe, your weekly dose of Open Banking insight, plus special mention of Credit Ladder’s new use case for open banking, and the stepping down of Anthony Thomson, Chairman of Atom Bank. They also discuss the Gaurdian’s story that 7 in 10 UK workers are “chronically broke”, and why...

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Ep 177. Insights: Financial Services & Mental Health
Feb06

Ep 177. Insights: Financial Services & Mental Health

Mental health affect us all, not least when we have financial difficulties or worries. Time to Talk Day opens up the conversation around mental health and removes the taboo, asking all of us to be more open about our mental health. Simon Taylor chaired a panel discussing how financial services can be more astute about mental health and how they can improve the relationship between their products, customers and mental health...

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Ep. 176. State of the Union 5
Feb06

Ep. 176. State of the Union 5

Coming to you from Kabbage offices in Atlanta, where Sam and our wonderful guests delve deep into the Fintech hub over some beverages. San Francisco has Silicon Valley and Atlanta is has ‘Transaction Valley’- but why? Well 70% of payment transactions come through a company listed in Atlanta. If there’s someone in fintech in the payment space, they’re either in Atlanta or have something to do with the area- safe...

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Ep. 175. News: The War For Talent
Feb06

Ep. 175. News: The War For Talent

Our show begins by discussing why Fintechs and Banks are duelling for talent, as financial technology startups go in hiring overdrive- thus butting heads with the incumbents for the very best candidates. Are banks worried about losing out on top rate talent? Next we explore some pretty damning stats, as the U.S. big four retail banks dealt with almost 20% increase in credit card losses last year. Financial crash anybody? The team get...

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Ep. 174. Interview. Derek Corcoran – Chief Experience Officer, Avoka
Jan29

Ep. 174. Interview. Derek Corcoran – Chief Experience Officer, Avoka

Many financial services companies are trying to build from the ground up, creating new banking systems or products that are more in line with creating an efficient and customer centric front end. Avoka on the other hand, are creating acquisition products that work in tandem with core banking systems. Chief Experience Officer Derek Corcoran talks us through how Avoka are creating a platform for better customer experience. Indeed,...

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Ep. 173. Investing’s Future – a Platform for Your Future Wealth?
Jan29

Ep. 173. Investing’s Future – a Platform for Your Future Wealth?

So what is an investment platform? According to our panel it’s much like a supermarket- you go in and buy lots of things, however you’re also doing all the cooking! We discuss how robo advisors can disrupt investment platforms, by scaling the ‘do it for you’ investment model through technology, and how this interesting supermarket analogy gets altered due to it. We then move on to Millennial wealth and...

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Ep. 172. News: Fintech Insider – The Pub Crawl
Jan23

Ep. 172. News: Fintech Insider – The Pub Crawl

David, Jason and Simon were joined by Chris Skinner and Monty Munford for this week’s news show from a pub in Bermondsey, complete with pints and pie – the full British pub experience. We’re now past “deadline day” so naturally our first batch of stories concerned Open Banking and what the banking landscape looks like so far in the wake of PSD2 becoming law on 13th January. The guys chat about the impact the media has had...

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Ep. 171. Interview With Rishi Khosla, CEO of OakNorth
Jan22

Ep. 171. Interview With Rishi Khosla, CEO of OakNorth

OakNorth isn’t perhaps the most high profile Challenger bank in the UK, solving a real problem by serving the ‘missing middle’ who aren’t being served well by existing lenders. Their business began by exploring how they can actually solve this issue, rather than how they could become a great bank- Rishi citing this particular outlook as one of the reasons OakNorth has seen success. Looking at OakNorth’s...

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Ep. 170. Understanding Wealth: the Best Asset of Asset Managers
Jan22

Ep. 170. Understanding Wealth: the Best Asset of Asset Managers

We bring you the second part of our special wealth series, as we concentrate on asset management trends and how 2018 will impact the investments market. First, our panel discuss how evolving demands from varying types of customer in the asset management industry are challenging legacy ideas. How does millennial inheritance impact their thinking? And do longer life spans require asset managers to explore different avenues to meet...

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Ep. 169. FCA Crashes the BYOD Party
Jan22

Ep. 169. FCA Crashes the BYOD Party

First up on today’s news show, the FCA bans BYOD (Bring Your Own Device) across the the entire UK finance sector. Whilst regulation is on the tip of everyone’s tongue, cryptocurrencies managed to sneak their way onto the show once more as Kodak launched KODAKcoin, boosting stock prices an outrageous 44%. From one major announcement to another, tech giant Tencent gets a licence to sell mutual funds to WeChat’s 1...

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Ep. 168. Interview: Tom Blomfield – CEO, Monzo
Jan22

Ep. 168. Interview: Tom Blomfield – CEO, Monzo

From pre-paid card to fully fledged Current Account, Tom Blomfield details the journey of UK challenger bank Monzo with great enthusiasm and vibrance. Tom talks our host Simon Taylor through Monzo’s viral growth and how their marketing team has managed to grow the company 1000% in the last year alone, on a very limited budget. ‘I don’t think we’re a million miles away from the mainstream’ is a great quote...

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Ep. 167. Insights: A Wealth of Disruption – How Wealth Management is Changing
Jan22

Ep. 167. Insights: A Wealth of Disruption – How Wealth Management is Changing

In the first of our three-part series on investments, Simon Taylor is joined by special guests Joe Parkin, Gemma Godfrey, Phil Smith, Olivia Vinden & Gareth Johnson. We kicked things off by asking our panel what IS wealth management? How does it differ from asset management and what does the future of the industry look like? Our guests have a wealth of experience (pun intended) in this industry, and tried to dissect the role of...

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Wojciech Rybak, Bank Millennium: Turning Regulations into Positives
Jan16

Wojciech Rybak, Bank Millennium: Turning Regulations into Positives

Wojciech Rybak from Bank Millennium speaks to us about regulation.

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Ep. 164. Interview: Eric Wilson, Xinja
Jan03

Ep. 164. Interview: Eric Wilson, Xinja

Simon Taylor speaks to Eric Wilson, CEO at Xinja, who are building Australia’s first digital bank. First off Eric introduces us to Xinja – what is it, how does it work and what makes it unique and of course we had to ask how they came up with the name Xinja and how it’s pronounced (like ninja). We ask about Xinja’s business model; how they make money, who their customers are and how they acquire them, and what...

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Ep. 163. Interview: Toby Triebel, Wealthsimple
Jan03

Ep. 163. Interview: Toby Triebel, Wealthsimple

Jason Bates meets Toby Triebel, CEO for Europe of Wealthsimple, a leading innovative software company. They discuss Toby’s background, how he got into fintech and finance, and introduces us to Wealth Simple for those who might not know. They only started in September 2014 and have come a long way since then – $1bn (CAD) in AUM as of May 2017 – we ask how they scaled up so fast? Please note, we do not produce Fintech...

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Ep. 153. Insights: The future of banking and disruption
Nov17

Ep. 153. Insights: The future of banking and disruption

Welcome to this week’s Insider show, where Simon hosts a panel on the future of banking, featuring Marko Wenthin, co-founder of solarisBank; Leanne Kemp, founder and CEO at Everledger; and Elena Alfaro, Global Head of Data at BBVA. Before getting stuck in to the detail, our expert panel discuss the current situation in banking. What are the biggest challenges and why hasn’t banking kept up with the pace of technological...

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Ep. 152. News: High Rate of Return
Nov17

Ep. 152. News: High Rate of Return

In this episode Caroline, Pete and the guys break down a trilogy of P2P payment stories featuring Facebook, Apple and… Walmart? Meanwhile Square’s Jack Dorsey is frustrated by the time it takes to get a banking license and Deutsche Bank signals the end of fiat money as we know it. The second half of the show is almost entirely devoted to challenger banks as there were so many in the news this week! First up, Revolut apply...

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Ep. 151. Interview: Amber Baldet
Nov17

Ep. 151. Interview: Amber Baldet

We have a fascinating interview for you this week as Sam talks to Amber Baldet, who leads the J.P Morgan team developing Quorum, the open source code based on Ethereum that’s designed to address the challenges of blockchain adoption in financial services. We hear how Amber and the team have approached developing an open source code base from a highly regulated institution and how they’ve approached the blockchain...

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