Fintech Insider By 11:fs

It’s an interview double header! We talk to Poornima Vijayashanker and Lawrence Wintermeyer. First up Aden interviews Poornima Vijayashanker about her work on Femgineer, her previous life at Mint and what it meant to be at the forefront of Fintech before Fintech had broken through After the break Chris Skinner interviews Lawrence Wintermeyer about Innovate Finance’s new Industry Sandbox Consultation. We discuss why a sandbox is important, who should be getting involved, where we currently are with the regulators. This is a great insight into where the industry is going next and how companies both big and small can make a difference. Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep249 – Poornima Vijayashanker & Lawrence Wintermeyer appeared first on 11:FS.

David and Jason have the wind knocked out of them as they interview Gary Vaynerchuck for this very special Fintech Insider Interview. People hand me million dollar scopes and ask me for a selfie We discuss how staying plugged in and not being complacent is what keeps you ahead. Gary schools us on authenticity and how to earn the buy through giving everything you have for one ask. We learn about how Vaynermedia is getting ready to butt heads with BCG and McKinsey, and the source of why the biggest brands on earth are knocking on Gary’s door. There is a not a single client that does the work I want them to do… Period. Want more of Gary? Subscribe to our Youtube channel to see him in action. Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep248 – Gary Vaynerchuk appeared first on 11:FS.

In this episode Could Apple have a viable payments platform? Simon gets back from holiday, we had some questions about his new lifestyle choices. We get to the bottom of why Spotify may need a blockchain. Nigel Walsh drops by to talk to us about insurtech funding and we start filling out our mortgage applications to our parents. Guests Joining us for this week’s analysis of the news: Sarah Kocianski, Senior Research Analyst Fintech at Business Insider UK Kadhim Shubber, Reported at Financial Times News this week Recode – Apple is in talks to launch its own Venmo – Link Medium – The first real revolution in venture capital: crypto tokens  – Link Coindesk – The United Nations Just Launched Its First Large-Scale Ethereum Test – Link Techcrunch – Spotify acquires blockchain startup Mediachain to solve music’s attribution problem –Link Techcrunch – PayPal launches a small biz toolset, ‘Business in a Box,’ with WooCommerce & Xero – Link FT – Bank of Mum and Dad is ninth-biggest lender wi

In this episode Simon and David sit down with Richard and Maya to discuss the state of the Blockchain. We explore where we are with blockchain and ledger tech, blockchain awareness in the workplace and how we are moving from understanding the technology to applying it in real business situations. We dive deep on whether blockchain can be applied to KYC and whether maybe sometimes a centralised API might be a better idea than a decentralised blockchain. Guests Richard Crook, Head of Innovation Engineering at RBS Maya Zehavi, Vice President of Product at QED-it Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep246 – Finding Blockchain’s Feet appeared first on 11:FS.

In this episode Our last news show at Level39, Aden Davies is on point for the first time, as we dive into the world of ageing plastic cards, whether social networks should be their own police force, there’s an update from the East, and just how legacy banking systems are maintained… the answer is cowboys. Don’t forget you can use our code 11FS17 to save £100 on your ticket to the Global Digital Banking Conference (http://www.globaldigitalbanking.com/). Guests Joining us for this week’s analysis of the news: Anna Irrera, Fintech Correspondent at Reuters James Lloyd, Asia-Pacific Fintech Leader at EY Ghela Boskovich News this week Engadget – Smart card Plastc goes under despite $9m in preorders, without shipping a single card – Link BBC – Mastercard reveals credit with fingerprint sensor – Link Business Insider – Allianz goes for Lemonade – Link Guardian F8 Roundup – Shark AR, Mind reading technology & group payments – Link Bank Innovation – 5 financial services bots launched

In this episode Jeremy Burge joins us to discuss the wonderful world of Emoji. David and Jeremy discuss how emoji are taking over a large amount of communication. Jeremy explains what it means to be part of the Unicode consortium and how misinterpretation happens between companies. Did you know dinosaurs are coming to a phone near you? Find out which two made the cut. We also discuss how companies are using emoji to communicate better across social platforms and in their marketing. “No matter what you say, it jumps out a little bit more if there in an emoji in there.”   Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep244 – Jeremy Burge, Chief Emoji Officer of Emojipedia appeared first on 11:FS.

In this episode We dive into the interesting world of ethical hacking. Our first guest Jamie Woodruff takes us through his unique university entry, why your computers might not be the cause of your network’s security breach and how posing as a pizza delivery man helped him gain entry into a companies headquarters. Chris then interviews Sergey Pavlovich, a Russian ‘carder’ who made it big defrauding banks, and after a stint in prison, started working to defend against people like him. Sergey tells us about how he earned thousands from stolen credit cards and why working for the good guys works out better in the long run. Guests Jamie Woodruff, Technical Director at Metrix Cloud LTD Sergey Pavlovich, Author of How To Steal A Million Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep243 – Ethical Hacking with Jamie Woodruff and Sergey Pavlovich appeared first on 11:FS.

In this episode We attend the Money and Mental Health Tech Sprint. With the help of new Fintech Insider host Dr Harriet Bedell-Pearce we explore new ways technology is being applied in Fintech products to foster better lives for those with mental health disorders. We hear about the projects built at the tech sprint to help control volatile spending habits caused by mental challenges, how red-tech can help provide regulators with the data they need to make a difference and how taking a personalised approach to mental well-being projects may the way forward for the industry. Guests Polly Mackenzie, Director, Money and Mental Health Jo Hill, Director, Market Intelligence, Data and Analysis at Financial Conduct Authority Beth Robotham, Head of Business Development, Bupa UK Marcus Thornley, Founder, Play Consulting Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep242 – Money and Mental Health appeared first on 11:FS.

In this episode Gerhard Coetzee is making a real difference in the world of financial inclusion. As Lead Financial Sector Specialist at CGAP, he leads the technical areas of customer and provider solutions that include customer centric business models, digital finance and smallholder families. Simon Taylor caught up with him to find out about the challenges he faces and why customer-centric design and partnerships are so central to his approach. “If you do not understand the customer, the poor person in their life, the challenges they have, the pain points they face, then it will be very difficult to provide a service that they will use.” “I believe strongly in living your life in such a way that when you leave something, it is better than the way you found it.” Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep241 – Gerhard Coetzee, Lead Financial Sector Specialist at CGAP appeared first on 11:FS.

In this episode We’re at the 2017 Innovate Finance Global Summit, one of the most prestigious conferences for the financial technology industry. This annual event provides a platform that convenes the world’s global institutions together with startups, policy makers and investors to share ideas and solutions to the challenges facing financial services. Guests Lawrence Wintermeyer, CEO of Innovate Finance Nick Ogden, Executive Chairman of Clear Bank Richard Peers, Director of Financial Services Industry at Microsoft John Edge, Chairman of Identity 2020 Claire Calmejane, Director of Innovation at Lloyds Banking Group Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep240 – Innovate Finance – THE Global Summit of FinTech appeared first on 11:FS.

In this episode Alessandro Hatami started with road building in Africa as an engineer, on to direction setting at Lloyds and now he is helping traditional business find and engage with the right digital services partners at The Pacemakers. 11:FS CEO, and ex-colleague of Alessandro, David Brear sat down to find out more about helping large organisations be innovative, how partnering in FinTech is replacing the disruptive narrative and the impacts of Brexit on all of the above. Enjoying FinTech Insider? Tell a friend about us and please leave us a review on iTunes. The post Ep239 – Alessandro Hatami, Managing Partner at The Pacemakers appeared first on 11:FS.

In this episode From dreams of running a five-star hotel to the reality of running a five-star bank, Ashok Vaswani, the CEO of Barclays UK, speaks with Simon Taylor about culture, digital transformation challenges and opportunities, frontline empowerment and how Simon might be able to buy a Lamborghini in the future. “We touch 24 million customers in the UK, so 63 million people, if you humour me, and say 15 million less than 15 years of age, that leaves 48, we touch one out of every two people in the UK. Now, that’s an awesome position to be in, right?“ “I’ve now started having dinners with CEOs of other businesses, other industries, corporate clients of ours, and saying, “Hey, you guys are big, big in your-,” you know, people like British Airways, AIG, GE, Day Lewis, all these big companies, and say, “You guys are struggling with the same thing, we’re struggling with the same thing, can we actually talk together and, you know, do stuff.”” Enjoying FinTech Insider? Tell a friend about us and please

In this episode Barclays takeover! Over the years, Barclays have pioneered tech in financial services, from the first UK bank to launch the ATM, to their award-winning app. We sit down with four excellent guests, including CEO Ashok Vaswani, to discuss the impact of PSD2; the challenges and opportunities that come with being a 357-year-old bank; how to attract fresh talent in a world filled with tempting FinTech startups; and more. Guests Ashok Vaswani, CEO Catherine McGrath, Managing Director of Transaction Products and Payments Ruchir Rodrigues, Managing Director of Digital & Open Banking Frankie Woodhead, Director of Commercial & Channels – Business Lending Highlights On PSD2 “I’m hugely excited about it. I think, as a customer, it’s going to present me with completely different opportunities about how to manage my finances, and, as Barclays, we are right in at the heart of that, and helping that happen. I want to be confident that I can recommend to my friends and family that they sho

In this episode The day after the 11:FS birthday bash, we get hangover deep on FinTech Insider News – misquoting American presidents and everything when discussing the U.S. Congress’ decision to let ISPs sell your web browsing history to anyone without permission. “What’s interesting is that Facebook and Google, and especially Apple, have been pushing back on government requests for data quite publicly – and probably quite a bit more, privately.” Simon says. “Whereas the ISPs weren’t. The ISPs’ selling point here is, ‘Well, we’ve been selling you data forever on everything you want to see, give us this access and you’ll get to see everything you want to see on a terrorism standpoint.’ There’s an Abraham Lincoln quote, and I’m going to butcher it, but it’s something like, ‘If It’s liberty or security, I’d take liberty every single day,’ and I’d be willing to sacrifice a little bit of security for it. We seem to have lost that, in society, to a certain degree.” Give us liberty or give us death (just to th

In this episode Alipay dominates financial news. On FinTech Insider, we joke about creating a jingle for ‘Alipay does a thing.’ What’s really interesting to us about Alipay is the Ant Financial business model of ‘payments as a wedge product’ to drive other financial services. We talk to a lot of banks now that want to become marketplaces, having looked at Alibaba and Alipay as the model to copy. In this episode, Rita Liu, Head of Alipay Europe, Middle East, and Africa, talks to us about Alipay’s growth ambitions and why China is such an exciting region for FinTech and financial services. “We have been active in the global market for a while, all driven by our consumers’ needs,” Rita says. “Alipay is the most popular online payment option for Chinese buyers. So we have been distributing Alipay as a payment option for ecommerce players outside of China. “In China, mobile wallet has become an increasingly popular way to pay in the physical world, and that is driving us to do the same in the global market.

In this episode RegTech is sexy. No, really, it is! RegTech goes beyond developing new technology to meet regulatory requirements – and it does more than save banks money. It’s about automating manual tasks and upskilling humans so their new work makes them feel valued. It’s about helping customers get better advice and service. It’s about making sure the business doesn’t come crashing down when the person in charge of the spreadsheet moves on. In this episode of FinTech Insider, we’ve assembled an expert team to explain what RegTech is and how to take advantage of this opportunity –  and imperative – to transform your business (you’ll also learn about Jason’s regulation chaos monkey idea ????). Guests Nick Cook, Head of Market Intelligence, Data, and Analysis at the Financial Conduct Authority Michelle Katics, Co-Founder and CEO, PortfolioQuest & BankersLab Diana Paredes, CEO & Co-founder at Suade Labs Evgeny Likhoded,  Co-Founder and CEO at ClauseMatch Enjoying FinTech Insider? Tell a fri

In this episode Article 50. Well, we went through with it and signed the divorce papers. Does the triggering of Article 50 put FinTech at risk in the UK? On this episode of FinTech Insider News, you’ll hear a range of opinions, from fear the UK is throwing away its work to lead the globe in FinTech, to optimism that London has the talent and regulatory regime to remain one of the world’s greatest cities. We also talk about BBVA joining Hyperledger; Alibaba and Tencent and the coming FinTech boom; and 11:FS celebrating its first birthday ???????????? As part of this milestone, we’ve officially launched 11:FS Pulse, our competitor insights research platform. We think you’ll love it. Guests this week Paul Titterton, Managing Director at Barclays Kadhim Shubber, Reporter at the Financial Times News this week Crowdfund Insider – Lawrence Wintermeyer, CEO of Innovate Finance, says triggering of Article 50 puts FinTech at risk – Link Parliament – Time to act on ‘unacceptable’ level of UK financia

In this episode What were you doing when you were 20 years old? Ollie Purdue was studying law…and founding a company to transform the banking experience. He didn’t want to be a lawyer, or a banker, but he did want to solve a problem facing many students: budgeting and forecasting how much money they’ll have and need every month. “At the time I was studying, I kept getting really frustrated with my bank account. It was just unable to tell me basic things about money, and that’s, kind of, what a bank’s meant to do, right?” Ollie says. “My bank wouldn’t tell me, when I got paid, how long that money will last. It wouldn’t tell me where I can cut down on my spending, and it wouldn’t tell me if my spending’s normal. So I was in a position where I never really understood my money, and I just didn’t get it, and then I tried budgeting apps and things like that, and they were really clunky…So it became really clear that a bank needed to be much smarter with data, and present that in a better way, and that’s kind of

In this episode A lot has been happening in the Singapore FinTech scene recently. The Monetary Authority of Singapore (MAS) is bound to invest more than $225 million Singapore dollars, or $158 million US dollars in FinTech by the end of 2020, and there’s a lot of hope that this can cut out costs from back office systems, and become truly transformational for the market and the region. In this episode, we take a step back, and, with help from FinTech experts in the field, paint a rich picture of what’s happening in Singapore today. Our guests Anna Vanessa Haotanto, CEO of The New Savvy; Business Development Director at Tera Capital Gerben Visser, Co-Founder of Singapore FinTech Consortium Joe Seunghyun Cho, CEO at LATTICE80; Co-founder and Chairman at Marvelstone Group Scott Bales, Managing Director at Innovation Labs Asia Varun Mittal, Associate Director, Asia-Pacific FinTech at EY Enjoying FinTech Insider? Please leave us a review on iTunes – this helps people discover us. The post Ep231 – Singapor

In this episode We’re very excited about the launch of Clear Bank, the first clearing bank to be authorized in the UK for nearly 250 years. There’s been a lot of business model innovation at the front end – we’ve seen apps doing more convenient FX, more convenient remittance, we’ve even seen peer-to-peer payments, but nobody’s really attacked the rails. “This is where I’m super excited to see FinTech go. This is a proper, proper geek moment,” says guest Sarah Kocianski, Senior Research Analyst, FinTech, at Business Insider Intelligence. “There has been a lot of interesting stuff on personal finance management, consumer banks – that’s happened already – but for any kind of change to happen in the wider financial services ecosystem, those back ends have got to be updated. They’ve got to be upgraded. They’ve got to be using Cloud and API. That’s why this story really, really excites me. Because I think now we’ve got that key piece of the infrastructure. We can start to see movement. They’re not just looking