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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Ep. 150. Fintech Insider: After Dark II
Nov08

Ep. 150. Fintech Insider: After Dark II

Welcome to an extra special episode of Fintech Insider – our 150th episode and it’s a Halloween-themed show recorded in front of a live studio audience at our home in WeWork, London. Simon, David and Jason are joined by Valentina Kristensen, Head of Marketing at Oak North; Charlie Wood from Capco; Monty Munford, Journalist for titles such as Forbes, The Telegraph, The BBC and The Economist; and Jeremy Burge, the founder of...

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Ep. 149. Interview: Liesbeth Rigter, MoneYou & Eric Mouilleron, Bankable
Nov08

Ep. 149. Interview: Liesbeth Rigter, MoneYou & Eric Mouilleron, Bankable

This week David talks to Liesbeth about MoneYou, an online European retail bank and subsidiary of ABN Amro. We hear the MoneYou story, including its innovative roots in mortgages and how they added more products and services to evolve with customers across the Netherlands, Belgium, Austria and Germany. Liesbeth explains MoneYou’s the importance of their pioneering mentality and their target market, including their focus on...

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Ep. 148. Live from Xerocon: part 2
Nov08

Ep. 148. Live from Xerocon: part 2

We had such a great time at Xerocon 2017 and spoke to so many interesting people that we couldn’t possibly give you just one episode. So here’s part two, including interviews with Edward Berks, Director of Sales, Banking and Fintech at Xero, Ian Christie, CEO at Boma Technologies, Margaret Laidlaw, Partner at Mazars, Mark Sykes, Partner at BDO and Anna Curzon, Chief Partner Officer at Xero. First on today’s show,...

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Ep. 147. State of the Union 2
Nov08

Ep. 147. State of the Union 2

Sam welcomes us into the Fintech Insider flat, our temporary base while we explored this year’s Sibos conference, hosted by SWIFT. He’s joined by some fantastic guests – Mike Sigal from 500 FinTechs (part of 500 Startups), Dion Lisle from CapGemini, Jo Lang from IBM, and April Rudin from The Rudin Group – to talk about the state of Canadian fintech. First, the guys talk about the conference circuit and discuss...

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Ep. 146. What’s the price of getting 5H1T done?
Nov08

Ep. 146. What’s the price of getting 5H1T done?

The guys start this week’s show by tackling the Revolut founder and CEO Nikolay Storonsky’s divisive view on work culture. Should employees be comfortable working 12-13 hours per day and does it make for a sustainable business? And more broadly, does this story hint at a wider issue in the fintech sector? We also discuss the Lessons Learned report from the FCA Regulatory Sandbox, which allows innovative firms to carry out...

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Ep. 145. Insights – Transferwise Takeover
Oct30

Ep. 145. Insights – Transferwise Takeover

Jason and Simon are joined by Erik Edin, Product Manager in the Business Team, helping businesses to send money abroad; Helena Jaramillo, Product Designer, focussing on first-time customer experiences; Jeremy Buttner, Borderless Banking Lead; and Steve Naudé, Head of Middle East and Africa Banking, bringing the Transferwise experience to customers. We hear how Transferwise serve their customers, who their customers are, and how...

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Ep. 144. Live from Xerocon: part 1
Oct30

Ep. 144. Live from Xerocon: part 1

This week’s special edition of Fintech Insider Insights was recorded live at Xerocon 2017 from London’s Excel Centre. David hosts a panel on Frictionless Finance, discussing how technology is lowering barriers to entry and we hear how the panelists are tackling friction in finance. David talks to Caroline about Fluidly’s intelligent cashflow technology and her experience at Xerocon, plus we hear from Shachar about...

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Ep. 143. News: O Canada!
Oct30

Ep. 143. News: O Canada!

In a special news show this week, Sam Maule hosts all the way from Toronto, Canada, where the team have been covering the Sibos conference. The guys have another chance to discuss open banking and APIs, hot topics at Sibos this year; why value generation is seen as one of the biggest challenges posed; and how partnerships with fintech firms will help banks to find those important new sources of revenue. Sam also covers the complicated...

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Ep. 142. Insights: PSD2 Round Table
Oct30

Ep. 142. Insights: PSD2 Round Table

On this episode, Jason talks to: Gavin Littlejohn, Chair of the Financial Data and Technology Association that led the campaign for open banking; Mike Kelly, founder and CEO of Curl; Anita Kimber, Head of Open Banking and Innovation at Nationwide; and Matt Cox, Head of Insight and Innovation at Nationwide. We get under the skin of the second Payment Services Directive (PSD2) to ask where did it come from? Our team of experts takes us...

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Ep. 141. The future will be tokenised
Oct17

Ep. 141. The future will be tokenised

MJ’s first time in the hot seat to host the show – on her own, no less – and our very own Benedict Shegog from the 11:FS Pulse team makes his Fintech Insider debut. So what’s coming up on the show? David Cameron’s back in business! US payments business, that is. The guys discuss his credentials for the job and why he might be acting like a Kardashian. Have we seen the end of the banking heyday? And why...

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Ep. 140. Interview: Niall Cameron, HSBC
Oct17

Ep. 140. Interview: Niall Cameron, HSBC

We hear about Niall’s journey to Head of Institutional and Digital at one of the world’s biggest banks, including his career highlight, how to stay productive (make lists!) and the best career advice he’s ever received. David asks how to find focus and prioritise in a growing digital landscape and we hear why equipping employees with the right digital skills is crucial. Niall tells us about the exciting developments...

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Ep. 139. Interview: Ron Herman, Sionic Mobile & Michael Crawford, Fifth Third
Oct13

Ep. 139. Interview: Ron Herman, Sionic Mobile & Michael Crawford, Fifth Third

First up on this week’s episode, Sam talks to Ron Herman, founder and CEO at Sionic Mobile, an Atlanta cloud-based connected commerce platform company. Sam explores their work on a connected in-car gateway, beacons and how brands can leverage their presence. Next, Sam talks to Michael Crawford from Fifth Third Bank. Michael explains Momentum, Fifth Third’s new app to tackle student loan debt, and why the regional bank...

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Ep. 138. News: The Brexit Blame Game
Oct13

Ep. 138. News: The Brexit Blame Game

David’s representing 11:FS without the other guys this week, but he’s not alone as he’s joined by Bianca Lopes, Sarah Kocianski, and Jamie Campbell to power through another packed show. First up, and straight off the back of our appearance at XeroCon, we cover Curve’s partnership with Xero. Hit or miss? Let us know what you think. The team discusses Starling’s launch of Business Accounts – yet...

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Ep. 137. Interview: Rod Drury, Founder & CEO, Xero
Oct09

Ep. 137. Interview: Rod Drury, Founder & CEO, Xero

In this episode, Jason Bates interviews Rod Drury, finding out about his multi-skilled and impressive background which ultimately led to him founding Xero in 2006. We asked about how in his view, Xero is transforming the space for SMBs and accountants, and whether he sees Xero as a disrupter in the space. They also discuss Xero’s platform, data and partnership, opportunities post PSD2 and their relationships with banks. All this...

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Ep. 136. Hacks, Hacks and more Hacks
Oct09

Ep. 136. Hacks, Hacks and more Hacks

In this episode: We talk hacks, hacks and more hacks as the team take on the fallout from the Deloitte hack, the Equifax boss steps down after their hack, and CBS’ Showtime gets hacked with code making user’s computers mine cryptocurrency in the background as they watched their favourite shows… Phew! They also discuss more traditional Fintech Insider news stories including: Starling’s latest funding round,...

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Ep. 135. Insights: Assets Management
Oct09

Ep. 135. Insights: Assets Management

Simon is joined by Pete Townsend founder and CEO of Norio Ventures, and Chris Mills from KPMG’s Investment Management team. Today’s show aims to shine a light onto Asset Management, an industry that is ripe for disruption and yet it is slightly overlooked. Simon starts from the very beginning: what is asset management? How does it work? And who are Asset Managers’ clients? The guys rattle through the very basics to...

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Ep. 134. Fintech Insider: After Dark I
Sep29

Ep. 134. Fintech Insider: After Dark I

In this episode: We have a live audience, a later start than usual and plenty to drink as we dive into the week’s most topical stories. First up: digital technology making financial struggles more manageable, how are the underserved or the financially unstable being catered to with fintech?, Is cash still king? And which countries are leading the race to go cashless first? We have shoutouts to our sister podcasts, InsurTech...

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Ep. 133. State of the Union
Sep25

Ep. 133. State of the Union

In this episode, Sam Maule hosts a roundtable discussion about the state of fintech, banking and financial services in America right now. He is joined by special guests: Matt Harris, MD of Bain Venture Capital, Margaux Avedisian, EVP at Transform Group, Robert Barba, Senior Banking and Fintech Writer and Analyst at Bankrate, Inc., and Laura Spiekerman, co-fouder of Alloy. Between them they cover: The state of VC, is it a bubble? Will...

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Ep. 132 News: iPhone Ex
Sep25

Ep. 132 News: iPhone Ex

In this episode: David and Simon are joined by the FT Alphaville’s Kadhim Shubber, Fidor’s Sophie Guibaud and Pete Townsend of Norio Ventures to discuss the top news stories of the last week. First up we discuss THAT Apple launch, how Apple’s P2P capabilities are a little underwhelming, how Venmo’s attempt to fight back against Apple Pay involves a very ugly debit card, and sticking with the theme we discuss...

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Ep. 131. Interview: Stephen Barclay, MP
Sep25

Ep. 131. Interview: Stephen Barclay, MP

In this episode: Jason asks Stephen about his financial services and legal background, how that adds to his current role, and what the Treasury do. He also asks him what his views are on fintech in general and UK fintech in particular, and what it means to the man on the street to enable them with their financial management and give them better services. He also highlights how fintech is changing the reputation of banking for the...

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Bud​ ​Partners​ ​with​ ​WiseAlpha​ ​to​ ​Add​ ​Senior​ ​Secured​ ​and​ ​High​ ​Yield​ ​Bond​ ​Investments​ ​to their​ ​Platform
Sep20

Bud​ ​Partners​ ​with​ ​WiseAlpha​ ​to​ ​Add​ ​Senior​ ​Secured​ ​and​ ​High​ ​Yield​ ​Bond​ ​Investments​ ​to their​ ​Platform

Bud has announced a partnership with online lending-market WiseAlpha, creating new investment opportunities in fixed income for their users. WiseAlpha presents investments in senior secured and high yield bonds, many of which offer returns of between 4-8% in large, well-known British corporates such as Virgin Media, Ocado and Debenhams. Before now, these fixed income investment opportunities were only available to pensions funds,...

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Ep. 130. News: How big is the Shadow Economy?
Sep14

Ep. 130. News: How big is the Shadow Economy?

In this episode, Author, speaker and fintech guru Dave Birch joins David, Jason and Simon for the news, alongside Richard Davies, formerly of HSBC, about to start at TSB. We also hear from Alison Rose of RBS at their Entrepreneurial Spark event. This week they discuss what Google’s banking app might look like; First Direct repositioning itself because great customer service is no longer a differentiator; is India really...

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Ep. 129. News: Double Ether and Cheese
Sep14

Ep. 129. News: Double Ether and Cheese

In this episode: Monty Munford and Sarah Kocianski join Jason Bates, Simon Taylor and David Brear for this week’s news show. They discuss how cultural fit might be hurting Fintech Companies and how banks should be working with Fintechs. Whether phone keyboards the gateway to smoother payments or should we also just be using Amazon Cash instead? Canadians get into the personalised banking game and the podcast crew take on...

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Ep. 128. Interviews – Start up Spotlight
Sep14

Ep. 128. Interviews – Start up Spotlight

In today’s episode we’re shining a light on new, smaller startups in the fintech industry as Meaghan Johnson interviews Caroline Plumb, founder of Fluidly, a new fintech startup – transforming the way businesses plan and manage their money, launching this October. Later on she also speak to Jonathan Lister and Jasper Martens, CTO and VP of Marketing at PensionBee, which aims to make pensions simpler and accessible to all by...

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