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Fintech Insider by 11:FS
62 minutes | 4 years ago
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 relationship between Swift, the Sibos organisers, and Blockchain at the same time that Ripple was hosting Swell, a competing event right across town. Sticking with the Blockchain theme, we talk about Bank of Canada's Sibos announcement that they're looking into applying Blockchain technology to the securities market. And in keeping with our location, we cover the launch of Marqeta, a payment processing platform, in Canada next month, and discuss why their Just-in-Time, or JIT, technology is a big draw for firms. And fintech's still hot! Or at least, that's what the latest figures on financial deals tell us. But which are the hottest prospects? And how might Wall Street defend its position against Silicon Valley? The guys round off this week's show with a look at the state of Canadian fintech. Hope you enjoy the show and don't forget to leave us a review on iTunes! Let us know your thoughts @FintechInsiders or find us at email@example.com.Special Guests: Barb MacLean, Dan Eberhard, Kris Hansen, and Zac Cohen.Links:Sibos 2017: API or the highwaySibos Highlights Swift's Complicated Relationship With BlockchainBank of Canada exploring blockchain technology for securities
84 minutes | 4 years ago
Insurtech Insider - Ep. 4: InsureTech Connect, Las Vegas
This week, Nigel’s fresh off the back of InsureTech Connect in Las Vegas – the largest gathering of the insurance technology world on the planet! This year, attendance jumped to 3,800 - congratulations, guys, we look forward to next time. While there, Nigel caught up with Darin Reffitt, Vice President of Marketing at Splice Software, which combines art and science to create stronger customer connections. Nigel and Darin explore the rise of voice and speech-to-speech technologies and emotionally relevant customer messages. Next up, Nigel meets Quentin Colmant, co-Founder of Qover, providing real-time insurance via open APIs. We hear how their solution allows customers to start selling insurance in five minutes. Nigel also talks to Tim Hardcastle, CEO of Instanda, a platform for insurance providers to improve product delivery. Tim talks about the lessons he’s learnt, through the dotcom boom to starting Instanda in 2012, and how the established insurers are responding to insurtech start-ups. Plus, is insurance really no different from any other consumer market? We hear from Chris Cheatham, founder and CEO of Risk Genius, whose mission is to organise the world’s insurance policy information. Chris tells us why the insurance world doesn’t really know what’s in its insurance policies and how Risk Genius is tackling the problem. And finally, Nigel sits down with Caribou Honig, Chairman and cofounder of InsureTech Connect, and cofounder of QED Investors. Caribou explains why right now might just be the most exciting time to be in insurtech. We also ask: how can incumbents evolve and is the centre ground of insurtech shifting between Europe and the US? Enjoying InsurTech Insider? Tell a friend about us, get in touch at firstname.lastname@example.org or on Twitter @InstechInsiders, and please leave us a review on iTunes.Special Guests: Caribou Honig, Chris Cheatham, Darin Reffitt, Nigel Walsh, Quentin Colmant, and Tim Hardcastle.
69 minutes | 4 years ago
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 back to the beginning to explore the genesis of PSD2 in payments and account aggregation, and how this has evolved into today's regulation. Jason asks how PSD2 is progressing in the UK and how its being implemented. And is PSD2 a threat or an opportunity for incumbents? We discuss the big challenges to implementing PDS2 and how registration for start-ups will work. What do consumers make of open banking and how can firms illustrate solid use cases to communicate with them? Looking forwards, we ask how the upcoming GDPR legislation will interact with PSD2. Listen in for all this and much more on the challenges, opportunities and consequences of PSD2. Enjoy the show! Spread the word, tell all your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at email@example.com or on Twitter @FintechInsiders and follow us on Facebook.Special Guests: Anita Kimber, Gavin Littlejohn, Matt Cox, and Mike Kelly.
54 minutes | 4 years ago
Ep. 141. The future will be tokenised
What a show we have for you this week and it's a week of firsts - 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 might ex-Barclays boss Antony Jenkins be saying so? We also hear about Russian bitcoin bros and Putin's views on cryptocurrencies, suggesting that Russia's central bank may be next in line to introduce regulation. We also caught up with Adam Dodds from Freetrade.io, the challenger stock broker, who shared their exciting news about achieving full FCA authorisation, and told us about their journey on the road to disrupting the stock trading industry. The team discuss Venezuela's reliance on cash and how it's stoking inflation. And how on earth will China give citizens a score based on their trustworthiness? Should they? Will they? Also on today's show: Monzo fending off one takeover offer per month; Starling's latest app feature; Zopa building a new bank; Zazu crowdfunding a digital bank; and why it's finally been shown that Siri is a simpleton! Enjoy the show! Spread the word, tell all your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at firstname.lastname@example.org or on Twitter @FintechInsiders and follow us on Facebook.Special Guests: Benedict Shegog, Charlie Wood, Liz Lumley, and Sarah Kocianski.Links:David Cameron takes job with US electronic payments firmEx-Barclays boss Antony Jenkins: the heyday of banking will never return
24 minutes | 4 years ago
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 in Utility Settlement Coin (USC), a fiat-backed digital currency, and how the relationship between fintech companies and established firms is evolving. Plus, how HSBC approach their work with fintech companies, why they're easier to engage with than bigger players, and how can we possibly keep up with the pace of change? Enjoy the show, leave us a review on iTunes and tell all your friends! Get in touch and join the conversation @FintechInsiders or head over to email@example.com.Special Guest: Niall Cameron.
42 minutes | 4 years ago
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 chose to get into fintech. They also explore Fifth Third's 'skateboard' approach to building out a product and why they set up a project team of millennials. Hope you enjoy the show and don't forget to leave us a review on iTunes! Let us know your thoughts @FintechInsiders or find us at firstname.lastname@example.org.Special Guests: Michael Crawford and Ron Herman.
56 minutes | 4 years ago
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 another string to their bow - and has the Brexit vote hit Tandem's ability to raise money? The guys talk about two stories on Atom - contrasting their £42m loss last year to the increase in their deposits over £900m. And we discuss whether pensioners are being penalised for saving too much. Are consumers comfortable sharing their financial data and, if not, could the news derail the open banking revolution? Meanwhile, HSBC gets the jump on other large UK banks, announcing a new app to link customer accounts. Plus...Aviva invest in Wealthify, real-time payments on two continents, yet more news on Equifax, and a cryptocurrency for Ghostface Killah. Find all these stories and much, much more over at fintechinsidernews.com. Sign up to join the discussion, spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at email@example.com or on Twitter @FintechInsiders and follow us on Facebook.Special Guests: Bianca Lopes, Jamie Campbell, and Sarah Kocianski.Links:Curve partners Xero to automate expensesBusiness Accounts with Starling BankTandem's 2016 accounts: Brexit blamed for trouble raising money - Business Insider
30 minutes | 4 years ago
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 comes ahead of Xero's flagship event, Xerocon, the London leg of the event that kicked off this week, and we get Rod's view on that, and how he always envisioned Xero being a globally recognised brand. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at firstname.lastname@example.org or on Twitter @FintechInsiders and follow us on Facebook.Special Guest: Rod Drury.
61 minutes | 4 years ago
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, Monzo's new integrations and Alipay's latest partnerships, this time in Scandinavia. And finally... a family of raccoons shut down a Toronto bank - you heard it here first. All that and more on today's show. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at email@example.com or on Twitter @FintechInsiders and follow us on Facebook.Special Guests: Andra Sonea and Valentina Kristensen.Links:Monzo tests in-app energy provider switching featureChallenger bank Starling aims to fly with £40m fundraising - Sky NewsW3C Payment Request API is Being Implemented in All Major Browsers | ProgrammableWebAlipay strikes more overseas partnerships - Business InsiderAussie banks scrap ATM fees
35 minutes | 4 years ago
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 make asset management real and accessible before taking a look at topical queries such as why and how is the market ready for disruption? What does the future look like for asset management and how will fintech products influence this. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at firstname.lastname@example.org or on Twitter @FintechInsiders and follow us on Facebook.Special Guests: Chris Mills and Pete Townsend.
45 minutes | 4 years ago
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 Insider - as we hear from Nigel Walsh on the top 5 changes insurers "must" make - and Blockchain Insider, as YC announces its bid to let investors invest in their startups via blockchain - is blockchain going mainstream? We get into a discussion of gender inequality in fintech, Google's mobile payments debut in India and that Equifax hack. Additionally with the help of our audience, we curated the first ever Fintech Wall of Emoji - what topics and trends did we rate and hate? All this and more on this week's very special Fintech Insider News! Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at email@example.com or on Twitter @FintechInsiders and follow us on Facebook.Special Guests: Jamie Campbell, Liz Lumley, Nigel Walsh, and Sarah Kocianski.Links:Digital technology can make financial struggles easier to manageThe surprising place where cash is going extinctDo or die: 5 changes insurers must make nowYC wants to let people invest in its startups through the blockchai
53 minutes | 4 years ago
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 it burst? The state of crypto currency and ICOs The state of compliance The state of the media in relation to financial services, banking and fintech Thanks to all our guests for taking part! Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at firstname.lastname@example.org or on Twitter @FintechInsiders.Special Guests: Laura Spiekerman , Margaux Avedisian, Matt Harris, and Robert Barba.
68 minutes | 4 years ago
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 Zelle's P2P mobile payments app that recently launched and what it means when banks club together to innovate. They also discuss whether fintech really is the fastest growing industry in the US, what it means for Jamie Dimon to slam bitcoin, is he just wrong or is it a distraction to cover up something else? Finally, they take on Monzo letting their customers decide fees for using ATMs abroad, whether 30% of bank jobs will be gone in 5 years as the CEO of Pandit claimed, and ANZ's restructuring to create 150 "startups", it sounds like nonsense but are they the first traditional bank to really understand how to be agile? Also on the show we have an exclusive interview with digital receipting startup Flux alongside Megan Cawood of Starling, all about their recent partnership and launch on Starling's Marketplace. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes! If you want to get in touch, drop us a line at email@example.com or on Twitter @FintechInsiders.Special Guests: Kadhim Shubber, Matty Cusden-Ross, Megan Caywood, Pete Townsend, Sophie Guibaud, and Veronique Barbosa.Links:iOS 11: Apple Pay Just Got Easier | MoneyApple suffers embarrassing demo Face ID fail at iPhone X launch Venmo is offering users an (ugly) physical de
16 minutes | 4 years ago
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 better. He also discusses the government's role in assisting and enabling the industry, and the uncertainty around Brexit for the industry, especially around attracting and hiring talent outside of the UK, and finally they discuss what fintechs can do for the government, and vice versa. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes! If you want to get in touch, drop us a line at firstname.lastname@example.org or on Twitter @FintechInsiders.Special Guest: Stephen Barclay.
64 minutes | 4 years ago
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 overtaking China in fintech adoption? What's the truth behind the "big number" Deutsche Bank staff being replaced by robots, according to their CEO? And could this have been publicised better? As Portugal bans large cash payments we discuss stashes, hoards and how big is the Shadow Economy? As ING promotes itsme in Belgium they discuss who do we trust most with our data? AliPay Smile launches in China proving that electronic face recognition is better than humans and the perfect marketing strategy vis innovation that has been executed here. And finally, following Sam Maule's lead, which song matches these stories best? Check out our Spotify playlist to listen to the ones the team chose and see if you agree! https://open.spotify.com/user/11fs/playlist/4JGfsBeULjw5xHf16zStCO As always, find all the news stories in this episode and many more at fintechinsidernews.com, follow us on Facebook, and don't forget to subscribe so you never miss an episode and we'd also love it if you could leave us a review on iTunes!Special Guests: Dave Birch and Richard Davies.Links:Google Bank Application Concept on Behance.First Direct repositions as it admits customer service is no longer a differentiatorReport says India is about to
48 minutes | 4 years ago
InsurTech Insider - Ep 3. The data economy and new business models
In this episode: David and Nigel are joined by three fantastic guests: Jean-Stephane Gourevich, professional advisor and InsurTech guru, Luca Schnettler founder of Healthy-Health and Erik Abrahamsson, CEO and founder of Digital Fineprint. We kick things off with a debate about how the data economy disrupting the insurance sector and creating new product/business models and what that means for InsurTech and both our guests' companies. They discuss: the importance of collaboration and the value of personal data; millennials' view on data sharing - is it as laissez-faire as we believe?; and the impact regulation may have on insurtech when it comes. In the news section they talk through £218M investment in insurtech in H1 2017 alone and what this means for the industry, drone footage analysis to help insurers; greater European Insurtech partnerships as a result of Brexit, and the bizarre correlation between insurance claims and the Great British Bakeoff! Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes! If you want to get in touch, drop us a line at email@example.com or on Twitter @instechinsider.Special Guests: Erik Abrahamsson, Jean-Stephane Gourevitch, Luca Schnettler, and Nigel Walsh.
60 minutes | 4 years ago
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 Whoppercoin. All this and healthy dose of stories from Monty on this weeks Fintech Insider News. As always, find all the news stories in this episode and many more at fintechinsidernews.com, follow us on Facebook, and don't forget to subscribe so you never miss an episode and we'd also love it if you could leave us a review on iTunes!Special Guests: Monty Munford and Sarah Kocianski.
53 minutes | 4 years ago
Ep. 127. News: Mauled
In this episode: Sam Maule is joined by David Brear, Jason Bates and Simon Taylor for this week's news show. They discuss: the possibility of US banks making a massive profit if deregulation goes ahead, and at what cost to the consumers?; Co-op Bank's stake falls to just 1%, what happens to the 4M loyal customers who buy into Co-op's ideals if only 1% is still managed by them?; As Barclays allowed customers to make payments via Siri is this actual innovation from them? And is this a huge step forward in accessibility to banking for the handicapped? They also talk through TransferWise's next funding raise and how they properly "get" marketing, Google and Walmart team up to take on Amazon, N26's first 500k customers, and how porn can be an innovative force in banking. Also, if all these news stories were a song, which song would they be? See if you agree with the team's suggestions. As always, find all the news stories in this episode and many more at fintechinsidernews.com, follow us on Facebook, and don't forget to subscribe so you never miss an episode and we'd also love it if you could leave us a review on iTunes!Links:Big U.S. Banks Could See Profit Jump 20% With Deregulation - BloombergCO-OP stake in bank falls to 1%Barclays bank now lets customers make payments via Siri | 9to5MacTransferWise lines up investment roundJack Ma-b
20 minutes | 4 years ago
Ep. 126 Interview - Beth Knickerbocker, CIO, OCC
In this episode: Beth tells Simon what the OCC is and what it does, with particular reference to the American dual-banking system and how she became a part of it. We also find out what the OCC is doing to embrace and promote financial innovation and the challenge of balancing that with regulation. To find out more about Beth and the work of the OCC, visit OCC.gov, or email firstname.lastname@example.org We hope you're enjoying the show - don't forget to subscribe so you never miss an episode, find all the news stories and many more at fintechinsidernews.com, follow us on Facebook, and we'd also love it if you could leave us a review on iTunes!Special Guest: Beth Knickerbocker.
65 minutes | 4 years ago
Ep. 125. News: Are you bad when you're big?
In another packed episode we have a full house of hosts as David, Jason and Simon are joined by global fintech commentator and Girl, Disrupted, Liz Lumley; Editor-in-Chief of Fintech Finance, Ali Paterson; and Capco's Principal Consultant, Charlie Wood. The team discuss WhatsApp adding payment features; First Direct coming consistently top of a customer service poll, and the bigger banks always come last - we discuss if there's a correlation between the size of the bank and their market share and the poor quality of customer service? (are you bad when you're big?); and most topically, what responsibility does PayPal have over KKK donations via their service? And how do you find a middle ground between censoring free speech and social responsibility? They also take on start up shopping; retraining and up-skilling versus job cutting; pocket money startups; and turning trash into tokens in Amsterdam. We also have an interview with James Lloyd, Asia-Pacific Fintech Leader at EY, all about the Chinese fintech and Alipay stories that have been making headlines this week. We hope you're enjoying the show - don't forget to subscribe so you never miss an episode, find all the news stories and many more at fintechinsidernews.com, follow us on Facebook, and we'd also love it if you could leave us a review on iTunes!Special Guests: Ali Paterson, Charlie Wood, James Lloyd, and Liz Lumley.Links:WhatsApp to introduce payments feature » Banking TechnologyRBS bottom in our banking customer service poll as First Direct remains topOakNorth's loan book continues to grow exponentially
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