Fintech Insider (by 11FS)
Twice-weekly podcast with frequent AI specials on fraud detection, personalized banking, and the shifting valuation multiples of AI-native fintechs.
40 episodes curated
Episodes
1053. Insights: Agentic payments: Revolution or just better orchestration?
About this episode: Is the traditional checkout about to disappear? Benjamin Ensor is joined by Rory O’Neill, Sahar Attaripour, and Sam Boboev to explore the rise of agentic payments - a fundamental shift from executing transactions to delegating intent. The panel dives into whether we are ready to let AI spend our money, who carries the risk when an agent makes a mistake, and how this "control-plane battle" will reshape the future of commerce. This week's guests: Rory O'Neil, Checkout.com CMO Sahar Attaripour, Investor & Advisor Sam Boboev - Fintech Wrap Up founder Links to check out: Join ou
1052.News: AI agents are trading, Monzo is retreating, and Wise is coming for the banks
About this episode: Host Ross Gallagher - Head of Consulting at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's guests: Jannick Malling - Co-CEO and Co-Founder of Public Fliss Berridge - Director of Blue Strawberry Thinking Dave Morris - CEO of FoundryOS Stories/timestamps: Intro - (00:01) Investors on Public can now build AI Agents to automate their portfolio - (03:39) Monzo closes US business - (22:13) Wise launches UK current account - (34:38) Lloyds bank reveals IT glitch affected almost half a milli
1050.News: Starling launches UK’s first agentic AI banking, Paymentology’s WhatsApp neobank and Turkey SEPA expansion
About this episode: Host Laura Watkins - Director of Media and Marketing at 11:FS is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's guests: David Sullivan - Data Director of Starling Cem Güler, Head of PMO - DenizBank AG Merusha Naidu - Global Head of Partnerships at Paymentology Stories/timestamps: Intro - (00:01) Starling Launches UK’s First Agentic AI Financial Assistant - (04:14) EU Proposes Turkey Joins SEPA to Deepen Economic Integration - (17:55) Paymentology Partners with Chikwama Pay to Launch Africa’s Fi
1037. Insights: Shaping safe AI innovation - Live from the FCA’s Supercharged Sandbox Showcase
About this episode: In this special live edition of Fintech Insider Insights, recorded at the FCA’s Supercharged Sandbox Showcase, David M. Brear is joined by leaders from the regulator, industry and the technology ecosystem to unpack the UK’s first AI-focused regulatory sandbox. The FCA has long been a global pioneer in regulatory sandboxes - but why launch a dedicated AI Supercharged Sandbox now? What problems is it solving? And what does it take to safely test AI in financial services before releasing it into the real world? Tune in to find out! This week’s guests: Oli Platt - Head of Clien
1031. Insights: How OpenAI is shaping the future of financial services
About this episode: On this week’s episode, host David Barton-Grimley is joined by Matt Weaver, Head of Solutions Engineering for EMEA at OpenAI, to explore the impact OpenAI is having on the financial services industry - and the meaningful collaborations taking place between the sector and the AI innovation giant. We discuss how AI is becoming the operating system for financial services as institutions move beyond chatbots and experimentation; how OpenAI is helping Europe’s financial sector adopt AI safely and responsibly; and how AI can strengthen Europe’s competitiveness in financial servic
1029. Insights: How AI is reshaping consumer-focused banking
About this episode: On this week's episode, David M. Brear is joined by some great guests to tack a question on every bank and fintech leader’s mind: is AI redefining consumer-focused banking in 2026? Using our Digital R.I.C.H.E.S framework, we explore how AI is changing the way financial services meet customers at their point of need, from real-time insights and smarter personalisation to context-aware experiences. This is what truly digital banking looks like now, what’s hype versus reality, and what consumers should actually feel and benefit from as AI becomes embedded in everyday money man
1016. Insights: Is agentic commerce the future of payments? Live from Paris with J.P. Morgan
About this episode: Live from Paris, David M. Brear steps into the heart of payments transformation - a shift that’s unfolding far beyond the checkout screen and deep within the financial stack. Commerce has become something that operates in the background, quietly and intelligently. This is the emergence of agentic commerce, where automation and intent drive every interaction.The conversation explores how e-commerce is moving from traditional cart-based journeys to code-driven experiences, and why treasury teams are demanding real-time infrastructure that can keep pace with their decision-mak
1013. News: Big moves in the mortgage market - and is everyone using AI to manage their finances?
About this episode: Host Benjamin Ensor, Director of Research and Strategy 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 this week include: There’s turbulence in the mortgage market this week, as HSBC begins offering mortgages worth up to 6.5 times a borrower’s salary, following the loosening of lending rules. We’re joined on the show by ComplyAdvantage to discuss their new AI platform, designed to combat the surge in financial crime. In S
1011. News: Starling fights fraud with AI, Uber goes global with Checkout and Citi and Coinbase collaborate
About this episode: Host Ross Gallagher, Head of Consulting at 11:FS, is joined by a fantastic panel of guests from Checkout.com, Galileo, SoFi’s tech platform, and Anthemis 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 this week include: This week, we explore how Starling is tackling scams with AI, in what it claims to be the UK’s first tool designed to spot purchase fraud. We hear from Checkout about their partnership with Uber to power global payments, and dive into the Coinbase-Citi co
1006. Insights: AI in banking - What it really means for the customer
About this episode: AI is everywhere-your newsfeed, your boardroom, your LinkedIn inbox. But when it comes to real, customer-facing use cases in finance… there’s not much to see. Why isn’t AI transforming the customer experience yet? What’s working behind the scenes, and what’s just hype? On this episode we’re cutting through the hype. From smart chatbots and virtual agents to automated KYC, compliance, and document checks, AI is making an impact but mostly behind the curtain. It’s saving time, reducing errors, and sometimes even beating humans at speed. The real challenge? Turning that quiet
991. News: Klarna’s big loan moves, Monzo’s mobile expansion & Robinhood’s AI investing launch
About this episode: Host David Barton Grimley, Director of Startegy and Head of Product 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. This week's guests: Anine de Kock, Head of Partnerships at Peach Payments Jason Saltzman, Head of Insights at CB Insights Chantal Swainston, Founder of The Heard Also featuring a voice note from Joe Colchester, Head of Product at 11:FS Pulse. Stories covered on the podcast: We dig into why Klarna is making major moves with its BNPL loans i
990: Insights: What’s happening with agentic AI in financial services right now?
About this episode: AI has already delivered impressive gains - from streamlining back-office operations to powering conversational assistants. But Agentic AI represents an entirely new frontier. These systems don’t just respond - they act. They make decisions, take initiative, and operate on behalf of users with a level of autonomy that could fundamentally reshape how banks and financial institutions serve their customers. So, what’s still missing? What barriers are holding us back? And most importantly, what needs to happen for Agentic AI to deliver real value - for both customers and instit
983. News: Monzo shifts investments to Seccl, Pipe levels up with AI and BNPL meets its regulator
About this episode: Host Benjamin Ensor, Director of Research and Strategy 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: This week, Monzo begins migrating its investment accounts to Seccl, and we’re joined by Seccl to unpack what this means for users and the wider platform. We also explore Pipe’s latest move into AI, with the unveiling of powerful new agent technology. As Buy Now, Pay Later regulation tightens, even the smallest loans may
972. Insights: Unlocking global competitiveness in an AI-driven world - Live from Point Zero Forum
At 11:FS, we don’t just talk digital - we make it happen. We're building truly digital financial services by partnering with bold teams to take them from market insights to real-world products. Whether you're an incumbent innovating or a startup breaking new ground, we bring the strategy, research, design, and delivery to make it real. Less talk, more impact.Proud winners of the British Bank Award for Consultancy of the Year - five times and counting. 👉 Learn more at 11fs.com/ventures -- On this week’s Fintech Insider Insights, we’re bringing you something a little bit different! Our CEO, D
971. News: FCA and NVIDIA team up for AI sandbox, Starling unveils a smarter way to talk to your bank - and why is Revolut launching ATMs?
At 11:FS, we don’t just talk digital - we make it happen. We're building truly digital financial services by partnering with bold teams to take them from market insights to real-world products. Whether you're an incumbent innovating or a startup breaking new ground, we bring the strategy, research, design, and delivery to make it real. Less talk, more impact.Proud winners of the British Bank Award for Consultancy of the Year - five times and counting. 👉 Learn more at 11fs.com/ventures -- About this episode: Join Ross Gallagher, Head of Consulting at 11:FS, as he's joined by great guests to