Our expert hosts, Gwera Kiwana and Benjamin Ensor, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. 
This week's guests include:
David Jarvis, CEO, Griffin
Medha Agarwal, Partner, Redpoint Ventures
Lachlan Heussler, Chief Strategy Officer, InDebted
With soundclips from:
Joe Colchester, Product Manager, 11:FS Pulse
We cover the following stories from the fintech and financial services space:
UK-based BaaS fintech Griffin applies for banking licence - 4:46
Digital debt collection agency InDebted arrives in the UK aiming to improve sector image - 17:24
For the first time, Japan’s SoftBank could spend more on share buybacks than new investments - 33:10
Revolut continues trend of older users adopting fintech - 45:20
Banking-as-a-service startup Unit closes on $100M at a $1.2B valuation - 53:00
Apple will let your subscription apps charge you more money without asking - 54:54
Nubank beats revenue estimates on strong customer growth - 56:23
Goldman Sachs to offer senior staff unlimited holiday - 59:00
This episode is sponsored by Alto IRA
Did you know the majority of people are investing in cryptocurrency through a taxable account, when they could be using an IRA and avoiding or deferring the taxes?
With an Alto CryptoIRA, you can invest in crypto without tax headaches. Create a free account in minutes. Choose from over 150 coins, and invest with as little as $10. No setup charges and no account fees.
To open an Alto CryptoIRA with as little as $10, just go to www.altoira.com/insider
This episode is sponsored by TrueLayer
Let’s face it, cards were not designed for online. Payments can take days to settle, hurting customer loyalty. While high fraud, clunky checkouts and expensive fees mean millions in missed revenue.
At TrueLayer, we’ve made instant payments available for businesses across Europe and the UK. So you can cut costs, fight fraud and get money moving fast.
To learn more visit: www.TrueLayer.com/payments
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!
 Special Guests: David Jarvis, Joe Colchester, Lachlan Heussler, and Medha Agarwal.

630. News: Griffin goes for banking licence and InDebted looks to disrupt UK debt collection

Our expert host, Kate Moody, is joined by some great guests to delve into Egypt's fintech scene. 
While we in the West may associate Egypt with its grand history – the truth is that the North African country is currently looking extremely youthful.
With this young population comes new expectations on banking and financial services – with many from the outside of the country also looking at this hugely profitable market as a place to expand into. 
So in this episode, we’re asking: How does the market look today? What challenges are still to be overcome? And what does the future hold for Egypt? 
This week's guests include:
Momtaz Moussa, Co-Founder & CEO, Lucky
Eslam Darwish, General Partner, Nclude By Global Ventures
This episode is sponsored by Alto IRA
Did you know the majority of people are investing in cryptocurrency through a taxable account, when they could be using an IRA and avoiding or deferring the taxes?
With an Alto CryptoIRA, you can invest in crypto without tax headaches. Create a free account in minutes. Choose from over 150 coins, and invest with as little as $10. No setup charges and no account fees.
To open an Alto CryptoIRA with as little as $10, just go to www.altoira.com/insider
This episode is sponsored by TrueLayer
Let’s face it, cards were not designed for online. Payments can take days to settle, hurting customer loyalty. While high fraud, clunky checkouts and expensive fees mean millions in missed revenue.
At TrueLayer, we’ve made instant payments available for businesses across Europe and the UK. So you can cut costs, fight fraud and get money moving fast.
To learn more visit: www.TrueLayer.com/payments
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!
 Special Guests: Eslam Darwish and Momtaz Moussa.

629. Insights: Can Egypt’s young population push through a fintech revolution?

Our expert host, Gwera Kiwana, is joined by Mauricio Magaldi, Global Strategy Director for Crypto at 11:FS, to talk about something exciting we’ve been cooking up here at 11:FS. 
Our latest report - How web3 is shaping the future of finance - is out now! There’s so much hype floating around about web3, but also so much opportunity. So we decided to do an explainer that unpacks what web3 actually means, how it’ll impact financial services, the risks and the opportunities. Time to take a deep dive. All this and much much more on today's bonus episode!
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!
 Special Guest: Mauricio Magaldi.

Bonus. How web3 is shaping the future of finance - report deep dive

Our expert hosts, Benjamin Ensor and Kate Moody, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. 
This week's guests include:
Barb Maclean, VP Integration & Analytics, Celero
Aya Ibrahim, Commercial Director, Paymob
Mary Ann Azevedo, Senior Editor, TechCrunch
We cover the following stories from the fintech and financial services space:
Canadian Neo Financial's $185 million fund raise signals confidence in neobanks - 4:10
Egyptian fintech Paymob raises $50M led by PayPal Ventures and Kora Capital - 16:30
Tiger Global hit by $17bn losses in tech rout - 27:45
Sequoia, Binance and a16z among 19 investors backing Elon Musk’s Twitter bid - 37:08
Stripe’s Patrick Collison hits back at Plaid CEO’s accusations - 46:30
Dutch fintech Bunq vies for Ulster Bank and KBC account holders - 48:32
Google Chrome is getting built-in virtual credit cards - 50:45
The Vatican Will Create an NFT Gallery to ‘Democratise Art’ - 52:25
This episode is sponsored by Alto IRA
Did you know the majority of people are investing in cryptocurrency through a taxable account, when they could be using an IRA and avoiding or deferring the taxes?
With an Alto CryptoIRA, you can invest in crypto without tax headaches. Create a free account in minutes. Choose from over 150 coins, and invest with as little as $10. No setup charges and no account fees.
To open an Alto CryptoIRA with as little as $10, just go to www.altoira.com/insider
This episode is sponsored by TrueLayer
Let’s face it, cards were not designed for online. Payments can take days to settle, hurting customer loyalty. While high fraud, clunky checkouts and expensive fees mean millions in missed revenue.
At TrueLayer, we’ve made instant payments available for businesses across Europe and the UK. So you can cut costs, fight fraud and get money moving fast.
To learn more visit: www.TrueLayer.com/payments
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!
 Special Guests: Aya Ibrahim, Barb MacLean, and Mary Ann Azevedo.

628. News: Does the market have Tiger Global by the tail?

Our expert host, Simon Taylor, is joined by some great guests to ask: 'How did payroll data become the new gold rush?' 
Payroll data has become the topic of much hype over the last few years – from projected market values of over $10bn, to being referred to as the ‘holy grail of fintech’. 
So why are people so excited about something which has been in front of us the whole time? And in the midst of ‘The Great Resignation’, will this gold rush last? 
This week's guest include:
Ahmed Siddiqui, Head of Product, Branch
Lindsay Davis, Head of Markets, Atomic
Andrew Brown, Founder and CEO, Check
This episode is sponsored by Alto IRA
Did you know the majority of people are investing in cryptocurrency through a taxable account, when they could be using an IRA and avoiding or deferring the taxes?
With an Alto CryptoIRA, you can invest in crypto without tax headaches. Create a free account in minutes. Choose from over 150 coins, and invest with as little as $10. No setup charges and no account fees.
To open an Alto CryptoIRA with as little as $10, just go to www.altoira.com/insider
This episode is sponsored by TrueLayer
Let’s face it, cards were not designed for online. Payments can take days to settle, hurting customer loyalty. While high fraud, clunky checkouts and expensive fees mean millions in missed revenue.
At TrueLayer, we’ve made instant payments available for businesses across Europe and the UK. So you can cut costs, fight fraud and get money moving fast.
To learn more visit: www.TrueLayer.com/payments
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!
 Special Guests: Ahmed Siddiqui, Andrew Brown, and Lindsay Davis .

627. Insights: How payroll data became the holy grail

Our expert hosts, Benjamin Ensor and Kate Moody, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week.
This week's guests include:
Nilixa Devlukia, Founder, Payments Solved 
Karen Kerrigan, COO, Moneybox
With soundclips from:
Gwera Kiwana, Product Manager, 11:FS 
Paul Stoddart, President, GoCardless
We cover the following stories from the fintech and financial services space:
Stripe launches open banking product sparking Twitter taunt from Plaid CEO - 3:35
Moneybox announces crowdfunding campaign - 14:35
EU claims Apple breaking competition law over contactless payments - 30:00
Banking giant Truist acquires fintech startup Long Game in effort to reach younger demographic - 38:40
Buy Now Pay Later will soon affect your credit score in the UK - 48:15
GoCardless appoints Mastercard and Vocalink exec as president - 51:10
Citigroup trader triggers European flash crash - 54:00
Swiss banker put strip club visits on expenses - 55:22
This episode is sponsored by Alto IRA
Did you know the majority of people are investing in cryptocurrency through a taxable account, when they could be using an IRA and avoiding or deferring the taxes?
With an Alto CryptoIRA, you can invest in crypto without tax headaches. Create a free account in minutes. Choose from over 150 coins, and invest with as little as $10. No setup charges and no account fees.
To open an Alto CryptoIRA with as little as $10, just go to www.altoira.com/insider
This episode is sponsored by TrueLayer
Let’s face it, cards were not designed for online. Payments can take days to settle, hurting customer loyalty. While high fraud, clunky checkouts and expensive fees mean millions in missed revenue.
At TrueLayer, we’ve made instant payments available for businesses across Europe and the UK. So you can cut costs, fight fraud and get money moving fast.
To learn more visit: www.TrueLayer.com/payments
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!
 Special Guests: Gwera Kiwana, Karen Kerrigan, Nilixa Devlukia, and Paul Stoddart.

626. News: Stripe vs Plaid and Apple vs The EU

Our expert host, Ross Gallagher, is joined by some great guests to answer the question: 'How global can Islamic finance become?' 
Islamic finance is an industry sector with faith and ethical practices at its very core – it’s also a sector which has moved from a regional niche into a booming industry valued at over $2.88tn by industry experts.
So how global is Islamic finance? What are the challenges in its way? And how does the future look? 
This week's guests include: 
Samim Abedi, Chief Investment Officer, Wahed
Areeb Siddiqui, Founder and CEO, KESTRL
Nahim Bassa, Senior Vice President and Head of Strategy & Digital Transformation, Bank Aljazira
With soundclips from:
Samina Akram, Managing Partner, Samak Ethical Finance
This episode is sponsored by Alto IRA
Did you know the majority of people are investing in cryptocurrency through a taxable account, when they could be using an IRA and avoiding or deferring the taxes?
With an Alto CryptoIRA, you can invest in crypto without tax headaches. Create a free account in minutes. Choose from over 150 coins, and invest with as little as $10. No setup charges and no account fees.
To open an Alto CryptoIRA with as little as $10, just go to www.altoira.com/insider
This episode is sponsored by TrueLayer
Let’s face it, cards were not designed for online. Payments can take days to settle, hurting customer loyalty. While high fraud, clunky checkouts and expensive fees mean millions in missed revenue.
At TrueLayer, we’ve made instant payments available for businesses across Europe and the UK. So you can cut costs, fight fraud and get money moving fast.
To learn more visit: www.TrueLayer.com/payments
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!
 Special Guests: Areeb Siddiqui, Nahim Bassa, Samim Abedi, and Samina Akram.

625. Insights: What's the global potential of Islamic finance?

Our expert hosts, Benjamin Ensor and Gwera Kiwana, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. 
This week's guests include:
Julia Ménayas, Co-founder, Helios
Jason Mikula, Publisher, Fintech Business Weekly
With soundclips from: 
Mauricio Magaldi, Crypto, 11:FS
Abubakar Idris, Africa Reporter, Rest of World
Philip Haglund, CEO, Gimi
We cover the following stories from the fintech and financial services space:
Fintech giant Stripe jumps into crypto with a feature that lets Twitter users get paid in stablecoin  - 3:17
French sustainable neobank Helios picks up €9m for its fintech for good to protect the planet - 15:30
Revolut suspends refugee referral payouts after users game the system - 29:30
Plaid co-founder’s next venture is a bank to power fintech apps  - 37:15
Flutterwave CEO addresses alleged misconduct claims in email to employees - 49:30
Swedish children’s financial literacy app Gimi teams up with ABN AMRO - 52:50
Spanish football fans thank cup-winning manager via his banking app - 54:40
This episode is sponsored by Alto IRA
Did you know the majority of people are investing in cryptocurrency through a taxable account, when they could be using an IRA and avoiding or deferring the taxes?
With an Alto CryptoIRA, you can invest in crypto without tax headaches. Create a free account in minutes. Choose from over 150 coins, and invest with as little as $10. No setup charges and no account fees.
To open an Alto CryptoIRA with as little as $10, just go to www.altoira.com/insider
This episode is sponsored by TrueLayer
Let’s face it, cards were not designed for online. Payments can take days to settle, hurting customer loyalty. While high fraud, clunky checkouts and expensive fees mean millions in missed revenue.
At TrueLayer, we’ve made instant payments available for businesses across Europe and the UK. So you can cut costs, fight fraud and get money moving fast.
To learn more visit: www.TrueLayer.com/payments
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com! Special Guests: Abubakar Idris, Jason Mikula, Julia Ménayas, Mauricio Magaldi, and Philip Haglund.

624. News: Stripe steps back into crypto with Twitter and fintech for good Helios raises seed round

Our expert host, Simon Taylor, hosted a live onstage panel as part of Empire Startups New York FinTech Week! 
Earlier this year, we saw an executive order signed on the desk of the White House calling for research and development on a US CBDC. 
What was once a theoretical possibility has now been directly decreed by the President himself. 
So, today we’re talking about how this executive order will fit into the history books, what we know about CBDCs currently, what the challenges are still to overcome and what the future may hold.
This week's guests include:
Cuy Sheffield, Head of Crypto, Visa 
Carmelle Cadet, Founder & CEO, EMTECH
Jennifer Lassiter, Executive Director, The Digital Dollar Project
This episode is sponsored by Alto IRA 
Did you know the majority of people are investing in cryptocurrency through a taxable account, when they could be using an IRA and avoiding or deferring the taxes?
With an Alto CryptoIRA, you can invest in crypto without tax headaches. Create a free account in minutes. Choose from over 150 coins, and invest with as little as $10. No setup charges and no account fees. 
To open an Alto CryptoIRA with as little as $10, just go to www.altoira.com/insider
This episode is sponsored by TrueLayer
Let’s face it, cards were not designed for online. Payments can take days to settle, hurting customer loyalty. While high fraud, clunky checkouts and expensive fees mean millions in missed revenue. 
At TrueLayer, we’ve made instant payments available for businesses across Europe and the UK. So you can cut costs, fight fraud and get money moving fast.
To learn more visit: www.TrueLayer.com/payments.
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!
 Special Guests: Carmelle Cadet, Cuy Sheffield , and Jennifer Lassiter.

623. Insights: If the President orders a CBDC, then who can stop it?

Our expert hosts, Benjamin Ensor and Nicole Perry, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. 
This week's guests include:
Kate Drew, Director of Research, CCG Catalyst
Bence Jendruszak, Co-founder & COO, SEON
We cover the following stories from the fintech and financial services space:
Amazon is adding a 5% fuel and inflation surcharge - 3:30 
Fraud prevention fintech SEON raises $94m to expand globally - 14.30
US consumer agency sues TransUnion for deceptive marketing - 27:15 
Decacorn Brex expands into financial services, lands DoorDash as a new customer - 36:55
Robinhood revives plans to launch in the UK with deal to buy crypto app Ziglu - 46:00
Better.com announces more layoffs, citing mortgage market turbulence - 47:10 
Nubank secures $650m credit line for expansion in Mexico and Colombia - 48:45
NFT of Jack Dorsey's first tweet struggles to sell - 50:15
This episode is sponsored by Alto IRA 
Did you know the majority of people are investing in cryptocurrency through a taxable account, when they could be using an IRA and avoiding or deferring the taxes?
With an Alto CryptoIRA, you can invest in crypto without tax headaches. Create a free account in minutes. Choose from over 150 coins, and invest with as little as $10. No setup charges and no account fees. 
To open an Alto CryptoIRA with as little as $10, just go to www.altoira.com/insider
This episode is sponsored by TrueLayer
Let’s face it, cards were not designed for online. Payments can take days to settle, hurting customer loyalty. While high fraud, clunky checkouts and expensive fees mean millions in missed revenue. 
At TrueLayer, we’ve made instant payments available for businesses across Europe and the UK. So you can cut costs, fight fraud and get money moving fast.
To learn more visit: www.TrueLayer.com/payments.
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!
 Special Guests: Bence Jendruszak and Kate Drew.

622. News: Inflation strikes for Amazon sellers and SEON raises for global expansion

Our expert host, Gwera Kiwana, is joined by some great guests to talk about the industries and communities left behind by financial services. 
While fintech has made great strides in democratising access to financial services for many – there are industries and real people who still remain frozen out.
With than in mind, we’re focusing today’s episode on three different underserved groups and industries: the sex industry, the cannabis industry and new migrants.
This week's guests include:
Rosie Hodsdon, Executive Assistant, Marketing and Communications, National Ugly Mugs
Mike Kennedy, Co-founder & Chief Strategy Officer, Green Check Verified
Rohit Mittal, Co-founder & CEO, Stilt
This episode is sponsored by Alto IRA 
Did you know the majority of people are investing in cryptocurrency through a taxable account, when they could be using an IRA and avoiding or deferring the taxes?
With an Alto CryptoIRA, you can invest in crypto without tax headaches. Create a free account in minutes. Choose from over 150 coins, and invest with as little as $10. No setup charges and no account fees. 
To open an Alto CryptoIRA with as little as $10, just go to altoira.com/insider
This episode is sponsored by TrueLayer
Let’s face it, cards were not designed for online. Payments can take days to settle, hurting customer loyalty. While high fraud, clunky checkouts and expensive fees mean millions in missed revenue. 
At TrueLayer, we’ve made instant payments available for businesses across Europe and the UK. So you can cut costs, fight fraud and get money moving fast.
To learn more visit: TrueLayer.com/payments.
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!
 Special Guests: Mike Kennedy, Rohit Mittal, and Rosie Hodsdon.

621. Insights: How does financial services address underserved groups?

Our expert hosts, Gwera Kiwana and Kate Moody, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. 
This week's guests include:
Misha Esipov, Co-founder & CEO, Nova Credit
Polly Jean Harrison, Features Editor, The Fintech Times
With soundclips from:
Duke Ekezie-Joseph, Co-founder and Chief Growth Officer, Kippa
We cover the following stories from the fintech and financial services space:
US fintech Nova Credit expands into Europe to “unlock opportunities” for immigrants (awaiting FCA authorisation) - 4:00 
Apple’s plan to pump up Apple Card and Apple Pay and win the payments war - 15:35
Nigerian fintech start-up Kippa launches digital payments offering for African SMEs - 26:45
Bank of England’s fintech chief leaves for digital asset platform Fireblocks - 35:50
Russia has defaulted on its foreign debt, says S&P - 44:30
Meta is reportedly making ‘Zuck Bucks’ - 46:15
UK pay falls for second month in a row as cost of living bites - 47:40
The microchip implants that let you pay with your hand - 49:30
This episode is sponsored by Alto IRA 
Did you know the majority of people are investing in cryptocurrency through a taxable account, when they could be using an IRA and avoiding or deferring the taxes?
With an Alto CryptoIRA, you can invest in crypto without tax headaches. Create a free account in minutes. Choose from over 150 coins, and invest with as little as $10. No setup charges and no account fees. 
To open an Alto CryptoIRA with as little as $10, just go to www.altoira.com/insider
This episode is sponsored by TrueLayer
Let’s face it, cards were not designed for online. Payments can take days to settle, hurting customer loyalty. While high fraud, clunky checkouts and expensive fees mean millions in missed revenue. 
At TrueLayer, we’ve made instant payments available for businesses across Europe and the UK. So you can cut costs, fight fraud and get money moving fast.
To learn more visit: TrueLayer.com/payments.
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!
 Special Guests: Duke Ekezie-Joseph, Misha Esipov, and Polly Jean Harrison.

620. News: Nova Credit comes to the UK and Apple plots a payments war

Our expert host, Simon Taylor, is joined by some great guests to discuss what the future looks like for the anti-money laundering industry. 
The UK sees a whopping £88bn laundered annually, with that figure reaching £216.5bn in the US. 
This makes up a sizeable chunk of £1.8tn said to be laundered globally – a staggering 3% of GDP. 
So, today we’re looking at how AML keeps up with the sizable task ahead of it, what stands in its way and is this a problem that can truly be solved?
This week's guests include: 
Adam Gable, Product Director - Financial Crime, Treasury & Risk, Temenos
Joe Robinson, Co-founder & CEO, Hummingbird 
Jessica Cath, Head of Financial Crime Project Delivery, Fintrail
This episode is sponsored by Alto IRA
Did you know the majority of people are investing in cryptocurrency through a taxable account, when they could be using an IRA and avoiding or deferring the taxes?
With an Alto CryptoIRA, you can invest in crypto without tax headaches.
Create a free account in minutes. Choose from over 150 coins, and invest with as little as $10. That’s right—ten bucks! No setup charges and no account fees.
To open an Alto CryptoIRA with as little as $10, just go to AltoIRA.com/insider.
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!
 Special Guests: Adam Gable, Jessica Cath, and Joe Robinson.

619. Insights: What next for anti-money laundering?

Our expert hosts, David M. Brear and Nicole Perry, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. 
This week's guests include:
Dan Hardy, VP - Sales, Crowdcube 
Peter Renton, Co-Founder and Chairman, LendIt Fintech
With soundclips from:
Prakash Pattni, Managing Director of Financial Services & Digital Transformation (EMEA), IBM
We cover the following stories from the fintech and financial services space:
Unicorn Qonto partners with Crowdcube to open up ownership - 5:10 
Fast shuts doors after slow growth - 16:30 
The competition will pay for this later: Klarna completes PriceRunner deal - 27:00 
Rishi Sunak asks Royal Mint to launch non-fungible token - 36:00 
Egyptian financial super app Khazna raises $38M from Quona Capital and Lendable - 45:00
IBM offers real-time fraud detection in new z16 mainframe - 47:15
Bank of Italy bans N26 from onboarding new customers over AML failings - 50:30 
Liam Payne launches Revolut card - 52:00
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Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!
 Special Guests: Dan Hardy, Nicole Perry, Peter Renton, and Prakash Pattni.

618. News: Qonto looks to builds a community, while Fast runs out of steam

Our expert host, Benjamin Ensor, is joined by some great guests to break down how fintech currently operates in Singapore. 
In the decades after gaining independence in 1965, Singapore rapidly developed from a low-income country to a high-income country.
With this, came a push for better financial services and the island nation has established itself as one of Asia and the world’s key financial hubs. 
So today we’re talking about how things look in 2022, what challenges there are still to overcome, and what’s next for Singapore's ecosystem?
This week's guests include: 
Jonas Thürig, Head, F10 Singapore
Dayana Yermolayeva, CEO & Co-Founder, JiPay
This episode is sponsored by Austrade
Everyone wants to stay ahead of the fintech curve, and a great way to start is by powering your investment portfolio with Australia's best and brightest fintechs. From buy-now-pay-later, to open banking, from embedded finance, to global payments - it won't be long before the next Clearpay, Cover Genius or Airwallex hits the international stage. Learn more today, visit
www.shinewithaustralia.com.au/fintech
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!
 Special Guests: Dayana Yermolayeva and Jonas Thürig.

617. Insights: How banks paved the way for a Singapore fintech revolution

Our expert hosts, David M. Brear and Sim Rai, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. 
This week's guests include:
Alan Ainsworth, Head of Policy, OBIE
Axel Bruzelius, Founder and COO, ArK Kapital 
With soundclips from: 
 Shaun Port, Managing Director of Savings and Investments, Chase UK 
We cover the following stories from the fintech and financial services space:
CMA to create regulatory body to oversee open banking industry - 4:00 
Stockholm-based ArK Kapital raises €165 million to help startups grow faster and smarter - 15:45
JP Morgan's Chase launches UK saver with "market-leading" interest rate - 25:16
Kadmos snaps €8.3 million to transform salary payments for migrant workers - 33:50 
Bank of England joins MIT CBDC roster - 42:00
Chip raises £6.5m crowdfund on path to becoming saving and investing super app - 43:20 
Mobile wallets to be adopted by over one-third of global population by 2024 - 44:40 
The CEO of Goldman Sachs is set to DJ at Lollapalooza 2022  - 45:40 
This episode is sponsored by Austrade
Everyone wants to stay ahead of the fintech curve, and a great way to start is by powering your investment portfolio with Australia's best and brightest fintechs. From buy-now-pay-later, to open banking, from embedded finance, to global payments - it won't be long before the next Clearpay, Cover Genius or Airwallex hits the international stage. Learn more today, visit shinewithaustralia.com.au/fintech (www.shinewithaustralia.com.au/fintech)
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!
 Special Guests: Alan Ainsworth, Axel Bruzelius, and Shaun Port.

616. News: UK's open banking regulator faces shake-up, ArK Kapital creates 'ageing filter' for startups

In this episode - in association with Callsign - our expert host, David M. Brear, is joined by some great guests to talk about the best approach to tackling financial fraudsters!
The idea that organisations can leverage data to gain an understanding of their customers is better understood than it once was – but what this actually looks like in practice and how does it come to life?  
From reducing fraudulent transactions, to improved UX, to compliance with regulators – data leverage and enrichment opens up so many avenues for financial organisations. 
This week's guests include: 
Christopher Stephens, Head of Solution Engineering (UK, Europe & South Africa), Callsign
PJ Rohall, Fraud Subject Matter Expert, Featurespace
Livia Benisty, Global Head of Business AML, Banking Circle
This episode is sponsored by Callsign
Callsign makes digital life smoother and safer by helping organizations establish and preserve digital trust so people can get on with their digital lives. 
The first true representation of identity online, Callsign positively identifies users by their unique characteristics, replicating real-life recognition signals with AI models.
The only solution to identify people across every journey, channel, and brand, Callsign makes digital identification seamless and secure, helping drive business growth. Find out more at callsign.com (www.callsign.com). 
This episode is sponsored by Austrade
Everyone wants to stay ahead of the fintech curve, and a great way to start is by powering your investment portfolio with Australia's best and brightest fintechs. From buy-now-pay-later, to open banking, from embedded finance, to global payments - it won't be long before the next Clearpay, Cover Genius or Airwallex hits the international stage. Learn more today, visit shinewithaustralia.com.au/fintech (www.shinewithaustralia.com.au/fintech)
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!
 Special Guests: Christopher Stephens, Livia Benisty, and PJ Rohall.

615. Insights: Can data enrichment outsmart fraudsters?

Welcome to a very special bonus edition of Fintech Insider! 
We’ve been talking a lot about the metaverse recently, so on this bonus episode, we decided to jump in and try it for ourselves. 
Join hosts David M. Brear and Jason Bates as they don a pair of headsets and dive into the metaverse to discuss what they think it actually is, what place it could have in our working lives, its possible uses in the world of financial services and a whole lot more! 
If you want to learn more about how this episode was made, head to our YouTube channel right now to watch an exclusive behind the scenes video: youtube.com/11team
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!

Bonus: The metaverse is 1% finished

Our expert hosts, David M. Brear and Deepa Anikhindi, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. 
This week's guests include:
Charles McManus, CEO, Clearbank 
Eric Glyman, Co-founder & CEO, Ramp
With soundclips from: 
Eslam Darwish, General Partner, Nclude
We cover the following stories from the fintech and financial services space:
Ramp confirms new $8.1bn valuation - 4:28
ClearBank raises $230m to expand into Europe and the US - 18:15
Apple buys UK fintech start-up Credit Kudos - 34:15
Egypt state banks setting up $85m fintech innovation fund - 43:45
"Very, very unlikely" big banks will have high-street branches, says Anne Boden - 52:30
EPI abandons plan for Visa and Mastercard rival as member banks quit - 53:30 
NatWest to pilot carbon tracking app with SMEs - 54:55
Bristol pound notes to be transformed into giant shoal of fish - 56:05
This episode is sponsored by Austrade
Everyone wants to stay ahead of the fintech curve, and a great way to start is by powering your investment portfolio with Australia's best and brightest fintechs. From buy-now-pay-later, to open banking, from embedded finance, to global payments - it won't be long before the next Clearpay, Cover Genius or Airwallex hits the international stage. Learn more today, visit shinewithaustralia.com.au/fintech.
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!
 Special Guests: Charles McManus, Eric Glyman, and Eslam Darwish.

614. News: Ramp marks $8bn valuation, Clearbank plans global expansion and Apple acquires Credit Kudos

Our expert host, Benjamin Ensor, is joined by some great guests to talk about the relationship between charitable giving and fintech. 
With a cashless society steadily reducing the amount of spare change in purses and back pockets, many charities have been plunged into a crisis of traditional fundraising. 
While dropping coins into buckets may be a thing of the past, financial services focused on charitable giving is a growing sector which could help small charities, NGOs, relief funds and community organisations stay above water. 
So today we’re talking about what charitable giving looks like today, what are the challenges still to overcome and the rise of 'fintech for good'. 
This week's guests include:
Sarah Habib, Customer Strategist, 11:FS
Matt Crate, CEO, Toucan
Fizel Nejabat, Co-founder & COO, Algbra 
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!
 Special Guests: Fizel Nejabat, Matt Crate, and Sarah Habib.

Fintech Insider Podcast by 11:FS

Fintech Insider Podcast by 11:FS