Podcasts about Fidor

Dziś ostatni dzień starego roku .. a jak mowa o przemijaniu to wpadajcie posłuchać dwóch dziadersów, którzy rozkminią jak to jest z tymi sprawami* po 40-tce ;) Przed Wami dwa ustatkowane Michały (Walczewski i Fidor) w 14-tym odcinku Luźnych w Kroku. *z tymi sprawami - czytaj: z bieganiem P.S. .. podcast nagrywany pod koniec 2023 roku więc chłopaki też już ciut starsze .. i dalej biegają ;) Podcast również na Youtube: https://youtu.be/C9o01h_oXt4 Ultra Dziku buszuje o tutaj: https://www.facebook.com/ultradziku i tam ⁠https://www.instagram.com/ultradziku/ i tu https://www.facebook.com/michal.fidor Michała Walczewskiego szukajcie o tu: https://www.facebook.com/40latidopiachu Powiedz cześć: https://www.instagram.com/dostartu/ Nasza grupa dyskusyjna: https://www.facebook.com/groups/dostartu Nasza aplikacja do organizacji i startowania w zawodach! www.dostartu.pl #Bieganie #Sport #LuźniwKroku #podcast

Na horyzoncie nowy sezon biegowy więc pewnie już Was kopytka świerzbią, żeby zaplanować sobie jakieś biegowe wypadziki ... z drugiej strony koniec roku to też czas postanowień, choćby takich, żeby nie "przebiegać" do cna całej wypłaty ! No i tu wjeżdżają ONI - cali LUŹNI W KROKU - aby sprzedać Wam za darmoszkę trochę wiedzy - jak planować wypady biegowe i nie zbankrutować. Z tej potyczki słownej między dwoma Michałami (Fidor "Ultra Dziku" vs. Walczewski "MaratonyPolskie.pl") dowiecie się między innymi jak wyjeżdżać po taniości, czy spać w namiocie czy w Mariocie, czemu trzeba czytać małe druczki i dlaczego wyjazdy z cudzą żoną są najbardziej ekonomiczne! Zapraszamy na 30 minut "taniej" wiedzy biegowej! Podcast również możecie obejrzeć na YouTube: https://youtu.be/PG02c6vx6-c Ultra Dziku buszuje o tutaj: https://www.facebook.com/ultradziku i tam ⁠https://www.instagram.com/ultradziku/ i tu https://www.facebook.com/michal.fidor Michała Walczewskiego szukajcie o tu: https://www.facebook.com/40latidopiachu Powiedz cześć: https://www.instagram.com/dostartu/ Nasza grupa dyskusyjna: https://www.facebook.com/groups/dostartu Nasza aplikacja do organizacji i startowania w zawodach! www.dostartu.pl #Bieganie #Sport #LuźniwKroku #podcast

Kann es möglicherweise sein, dass es zwei Bundesbanken gibt da draußen? Eine, die Ende September gemeinsam mit der Bafin die Ergebnisse ihres „Stresstests“ vorlegte? Und eine, die Ende November den „Finanzstabilitäts-Bericht“ präsentierte? Denn, nur noch mal zur Erinnerung: Ein wesentliches Ergebnis des Stresstests für kleine und mittlere Institute (vulgo: für Sparkassen und Volksbanken) war ja gewesen, dass die Zinswende „mittelfristig zu Entlastungen führen“ könne. Zwei Monate später indes verblüffte die Bundesbank dann mit der Enthüllung, dass sich bei Sparkassen und Genobanken in der ersten Jahreshälfte (und wesentlich als Folge des Zinswende) mal eben stille Reserven in Höhe von 22 Mrd. Euro in Luft aufgelöst hätten. Ja, was denn nun, ist man da geneigt zu fragen. Ist die Zinswende nun gut oder ist sie böse? Und sind unsere putzigen Kleinbanken nun stressresistent oder sind sie instabil? Unsere Antwort: Na, zumindest gibt es wieder einiges zu besprechen! Zumal im November ja auch sonst jede Menge los war. Manche Banken verschwinden (Fidor, Handelsbank), während andere kommen (Nickel), ein Teil der Branche ächzt und ächzt, während ein anderer die Cost-Income-Ratio in nie gekannte Tiefen runterprügelt – und dann hat sich der Kampf um Einlagen dermaßen verschärft, dass gefragt werden muss: Was wird aus den Instituten, die dieser Kampf überfordern könnte? Der Monats-Podcast mit unseren Frankfurter Redakteuren Christian Kirchner und Bernd Neubacher == Fragen und Feedback zum Podcast: redaktion@finanz-szene.de oder (auch anonym) über Threema: TKUYV5Z6 Redaktion und Host: Christian Kirchner/Finanz-Szene.de Coverdesign: Elida Atelier, Hamburg Postproduction: Podstars Hamburg Musik: Liturgy of the street / Shane Ivers - www.silvermansound.com

Reseña critica sobre la novela "MEMORIAS DEL SUBSUELO"

Obra literaria que mezcla distintos temas filosóficos/Literary work that mixes different philosophical themes

En la entrevista de la semana tenemos a Alberto Mazaira CEO Depasify Alberto es Ingeniero informático, comenzó a trabajar en bolsa en 2013. Desde 2014 se incorpora a Fidor donde estuvo cinco años, inicialmente como programador para desarrollase como Product Owner también de la división cripto. Desde la división cripto llevó la parte financiera de alguno de los exchanges más importantes como Kraken o Bitcoin.de En 2018 crea Devs on tres y actualmente ha creado Depasify Durante la entrevista Alberto habla sobre su experiencia en el sector financiero y sobre el lanzamiento de Depasify Depasify → Website: https://www.depasify.com/es/home → Twitter: https://twitter.com/Depasify → Linkedin: https://www.linkedin.com/company/devs-on-trees/ Territorio Bitcoin → Website: https://www.territoriobitcoin.com/​ → Twitter: https://twitter.com/territoriobtc​ → Linkedin: https://www.linkedin.com/company/territorio-bitcoin

In this special we focus on the first Dutch bank to fully outsource its payments operations. Listen how Wealth Manager Van Lanschot Bankiers opted to work with German Fintech turned European Outsourcing partner Fidor (currently part of the Sopra Banking Software group). Two years on the key players then and now discussed the strategy, the selection process, the actual work under the hood and in the boardroom, communications and keeping the teams inspired. What worked well, what did not, any unexpected surprises? Follow the trail and result on this Fintech Cappuccino.

500km w 10dni po Bieszczadach i Beskidach? Dlaczego by nie! W dzisiejszym odcinku podcastu wysłuchamy historii Michała Fidora i Sebastiana Kaczora z RunHogs.pl, którzy by pomóc małej Natalce w walce z SMA zorganizowali zbiórkę pieniędzy i w ramach promocji tej akcji przebiegli 500km w 10 dni po Głównym Szlaku Beskidzkim ( GSB). Usiądź wygodnie lub biegnij przez 1h naszej opowieści! Zapraszamy! Całą historie możesz również posłuchać i zobaczyć na naszym kanale YouTube DO:ST:AR:TU!

Après un parcours en LBO, fonds d’investissement, puis dans différentes FinTech comme Fidor, Rocket Internet ou Bankable, Sophie rejoint OpenPayd pour dérouler la stratégie de la FinTech qui offre du "crossborder payment" et des comptes bancaires un peu partout dans le monde. Vous découvrirez dans cet épisode le parcours de son fondateur Ozan Ozerk et le détail des services bancaires et de paiement qu’offre OpenPayd à des PME en Europe, Turquie, US, Canada, Asie. Marketplaces, FX providers, néobanques, plateformes crypto. Au travers d’un use case d’une MarketPlace, vous comprendrez les rouages et la stratégie de cet acteur international. Le Bank as a Service n’aura plus aucun secret pour vous. On repart avec une étude à lire d'11:FS (franchement, je l'ai lue, elle est top !) Insights Banking as a Service Le “Banking as a Service”, c'est la fourniture de services bancaires complets, tels que les prêts, les paiements ou les comptes de dépôt, en utilisant l'infrastructure sécurisée et réglementée d'un établissement financier agréé existant disposant de plateformes modernes basées sur des API (Application Programming Interface). Bon... Et franchement, écoutez le podcast 11:FS... C'est UN MUST. Pour contacter OpenPayd, le plus simple, c'est via le site ou sur LinkedIn. Le contact de Sophie Guibaud, plutôt via LinkedIn. Pour soutenir Finscale : - S'abonner au podcast pour écouter le prochain épisode - Mettre 5 étoiles sur Apple podcast pour aider d'autres personnes à découvrir ce podcast Belle écoute et à la semaine prochaine !

Fidor https://heise.de/-4703740 DLR https://heise.de/-4704258 Pkw-Markt https://heise.de/-4704298 Play Store https://heise.de/-4704284

Disposable Software Suresh Vaghjiani, Tribe Payments Juan Mendoza, Fidor Solutions Manish Garg, reflow Moderator: Bruno Macedo, five°degrees

Letzte Woche wurde die aktuelle Version des Innopay Open Banking Monitor vorgestellt. Dieser liefert ei­nen de­tail­lier­ten Über­blick über den se­quen­zi­ell ak­tua­li­sier­ten Stand der API Ent­wick­ler­por­ta­le und die re­la­ti­ve Po­si­tio­nie­rung im Open Ban­king Markt von mittlerweile über 300 Ban­ken welt­weit. In Deutschland gab es bisher nur einige wenige Pioniere mit öffentlich zugänglichen Entwicklerportalen. Mit der immer näher rückenden Frist für die Umsetzung der technischen Standards im Rahmen der PSD2 Richtlinie haben nun die meisten Banken in Deutschland ein Portal für Ihre „Access-to-Account (XS2A)“ Schnittstellen entwickelt. Damit ist die erforderliche Grundlage für eine detaillierte Analyse des deutschen Bankenmarkt anhand des INNOPAY Open Banking Monitors gelegt. Deutsche Banken waren bisher vorwiegend mit der Umsetzung der PSD2 beschäftigt. Alle untersuchten Finanzinstitute bieten nun eine PSD2-konforme, dedizierte Schnittstelle für den Zugang zu Zahlungskonten für Drittanbieter an. Jedoch bieten nur 27% aller untersuchten Entwicklerportale API Funktionalitäten, die über die regulatorischen Mindestanforderungen der PSD2 hinausgehen. Die Analyse des Deutschen Open Banking Marktes zeigt im Bereich Functional Scope einen mehrheitlichen Fokus auf die Umsetzung der regulatorischen Anforderungen der PSD2. Nur wenige Institute bieten einen funktionalen Umfang der APIs, der die Anforderungen der PSD2 übersteigt. In Bezug auf die Developer Experience ähneln sich die Entwicklerportale einiger deutscher Banken. Dies kann dadurch erklärt werden, dass gut die Hälfte aller untersuchten Portale von einigen wenigen White-Label Providern betrieben werden. Die Banken, die sich dazu entschieden haben, mit einer eigenen Lösung an den Markt zu gehen, verfolgen auch bereits einen über die Anforderungen der PSD2 hinausgehenden Ansatz und verbinden ein erweitertes Angebot an APIs mit einer guten Developer Experience (so z.B. Deutsche Bank, Commerzbank, Fidor und Starfinanz). Nach der Vorstellung des Monitors gab es eine spannende Podiumsdiskussion über die Chancen und Herausforderungen des Open Banking rund um die PSD2. Das Panel setzte sich zusammen aus Jacques Pütz (CEO von LUXHUB), Dirk Rudolf (Co-Founder von FinTecSystems) und Daniel Le (Commerzbank API-Team). Das Panel wird moderiert von Karl Illing (Country Lead Germany Innopay).

Letzte Woche wurde die aktuelle Version des Innopay Open Banking Monitor vorgestellt. Dieser liefert ei­nen de­tail­lier­ten Über­blick über den se­quen­zi­ell ak­tua­li­sier­ten Stand der API Ent­wick­ler­por­ta­le und die re­la­ti­ve Po­si­tio­nie­rung im Open Ban­king Markt von mittlerweile über 300 Ban­ken welt­weit. In Deutschland gab es bisher nur einige wenige Pioniere mit öffentlich zugänglichen Entwicklerportalen. Mit der immer näher rückenden Frist für die Umsetzung der technischen Standards im Rahmen der PSD2 Richtlinie haben nun die meisten Banken in Deutschland ein Portal für Ihre „Access-to-Account (XS2A)“ Schnittstellen entwickelt. Damit ist die erforderliche Grundlage für eine detaillierte Analyse des deutschen Bankenmarkt anhand des INNOPAY Open Banking Monitors gelegt. Deutsche Banken waren bisher vorwiegend mit der Umsetzung der PSD2 beschäftigt. Alle untersuchten Finanzinstitute bieten nun eine PSD2-konforme, dedizierte Schnittstelle für den Zugang zu Zahlungskonten für Drittanbieter an. Jedoch bieten nur 27% aller untersuchten Entwicklerportale API Funktionalitäten, die über die regulatorischen Mindestanforderungen der PSD2 hinausgehen. Die Analyse des Deutschen Open Banking Marktes zeigt im Bereich Functional Scope einen mehrheitlichen Fokus auf die Umsetzung der regulatorischen Anforderungen der PSD2. Nur wenige Institute bieten einen funktionalen Umfang der APIs, der die Anforderungen der PSD2 übersteigt. In Bezug auf die Developer Experience ähneln sich die Entwicklerportale einiger deutscher Banken. Dies kann dadurch erklärt werden, dass gut die Hälfte aller untersuchten Portale von einigen wenigen White-Label Providern betrieben werden. Die Banken, die sich dazu entschieden haben, mit einer eigenen Lösung an den Markt zu gehen, verfolgen auch bereits einen über die Anforderungen der PSD2 hinausgehenden Ansatz und verbinden ein erweitertes Angebot an APIs mit einer guten Developer Experience (so z.B. Deutsche Bank, Commerzbank, Fidor und Starfinanz). Nach der Vorstellung des Monitors gab es eine spannende Podiumsdiskussion über die Chancen und Herausforderungen des Open Banking rund um die PSD2. Das Panel setzte sich zusammen aus Jacques Pütz (CEO von LUXHUB), Dirk Rudolf (Co-Founder von FinTecSystems) und Daniel Le (Commerzbank API-Team). Das Panel wird moderiert von Karl Illing (Country Lead Germany Innopay).

For this weeks episode we had the chance to sit down with some of the most interesting people on the fintech scene, straight from Money20/20 in Amsterdam! We got some really interesting insights, found out secrets to success and what the future holds for these companies. Mattias Kroner, formerly of Fidor Stephen Ufford, Trulioo CEO Giles Sutherland, Carta Worldwide MD Paul Riseborough Chief Commercial Officer at Metro Bank Tariq Hassan CEO of Code4000 To kick off this episode, Simon Taylor sits down with Matthias Kroner, formerly of Fidor and a man with many hats! Matthias tells us the story of Fidor and how the idea came about during the financial crisis! Matthias argues that was the best time to set up a new concept when everything is ok and everyone is happy with their bank there is no need for new players. Next up, Jason Bates chats to Stephen Ufford, CEO of Trulioo! Trulioo is a global identity verification provider, offering verification solutions to the whole world. Stephen tells us about his vision of offering alternative identification solutions to everyone on the planet, his passion for bringing more people into the financial system faster, and what is next for Trulioo. We also have a great interview with Giles Sutherland from Carta worldwide and a joint interview with Paul Riseborough from Metro Bank and Tariq Hassan from Code4000, telling us about they recent partnership! All this and so much more on today's show. Don't forget to subscribe so you never miss an episode, leave a review on iTunes and let us know your thoughts on the stories @FintechInsiders on Twitter where you can also ask the hosts questions, or email podcasts@11fs.com This week's episode was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: Giles Sutherland, Matthias Kröner, Paul Riseborough, Stephen Ufford, and Tariq Hassan.

This week we have some great stories for you as David and Ross are joined by a couple of great guests: Ken Hart, CEO and Founder of Snowdrop Solutions Megan Caywood, Managing Director at Barclays We kick off the episode by taking a look at Revolut's newest scandal reveal. The Financial Conduct Authority has made enquiries into Revolut after being contacted by an ex-employee whistleblower who passed on their concerns regarding compliance and the CEO’s conduct as far back as 2016. Megan comments that it seems to have started from the Valentine's incident and snowballed from there and wonders if it could be because the media's loving the scandal and making the culture out to be bad. Ken adds that to be disruptive you have to take risks but if you want to be a trusted financial partner then you need to pivot and do some things differently (02:14). Next up, We spoke to Gary Turner Co-Founder and Managing Director of Xero UK & EMEA to find out more about making tax digital (08:34). The panel talk about how making tax digital and how the initiative is going to affect 1.2M VAT-registered businesses. It's the first step in a process that ultimately aims to automate returns and payments for companies and households for all the main taxes. Megan remarks that this has been going on for a while but it's only just becoming mainstream and that it's great to see the regulator making such a strong push for digital. Ken comments that there's a lot of effort made in the UK to make digital organisation work, especially compared to his experiences with the IRS in the US (10:20). We also talk to Luke from Monzo's vulnerabilty team to find out more about Monzo's involvement with the Big Issue to make magazines resellable (39:37). Other stories include: Cash probe into RBS Remedies Fund Big banks spending billions on digital - again Subscribe to wealth: The Netflix of Data Kroener says auf wiedersehen to Fidor x BPCE Pay it forwards again and again and again And finally some of the best financial pranks across the years All this and so much more on today's show. Don't forget to subscribe so you never miss an episode, leave a review on iTunes and let us know your thoughts on the stories @FintechInsiders on Twitter where you can also ask the hosts questions, or email podcasts@11fs.com This week's episode was produced by Laura Watkins, written by Dhanum Nursigadoo and edited by Alex Woodhouse. Special Guests: Gary Turner, Ken Hart, and Megan Caywood.

Hier sind die heise online News mit Isabel Grünewald Apple Pay in Deutschland Apple bereitet den Start des mobilen Bezahldienstes Apple Pay in Deutschland vor. Jetzt hat Apple eine Liste mit Partnern aus der Bank- und Finanzbranche veröffentlicht, deren Kredit- und Debitkarten sich zu Beginn einbinden lassen. Dazu zählen neben Visa, Mastercard und American Express unter anderem die Deutsche Bank, Hypo Vereinsbank, Hanseatic Bank, Fidor, Comdirect sowie O2 Banking. Grundsätzlich sollten Apple-Pay-Zahlungen an jedem NFC-fähigen Bezahl-Terminal im Handel möglich sein, wenn es kontaktlose Zahlungen unterstützt. Allerdings ist dies nur mit iPhone und Apple Watch möglich. Gerichte verhandeln über Dieselfahrverbote in NRW Bei den Prozessen um Dieselfahrverbote in Nordrhein-Westfalen geht es jetzt Schlag auf Schlag. Am kommenden Donnerstag wird vor dem Verwaltungsgericht Köln über Fahrverbote in Köln und Bonn verhandelt. Eine Woche später kommen in Gelsenkirchen die Maßnahmen für bessere Luft in Dortmund, Bochum, Essen und Gelsenkirchen auf den juristischen Prüfstand. Insgesamt hat die Deutsche Umwelthilfe mittlerweile Klagen wegen Grenzwertüberschreitungen beim Stickoxidausstoß in 14 NRW-Städten eingelegt oder angekündigt. Deutsche wollen verstärkt Weihnachtsgeschenke im Internet kaufen Die Geschäfte in der Innenstadt müssen sich warm anziehen: Laut einer Umfrage der Unternehmensberatung EY kauft inzwischen bereits gut jeder fünfte Verbraucher seine Weihnachtsgeschenke lieber online. Zum Vergleich: Vor einem Jahr war der Anteil der E-Commerce-Nutzer hier nur halb so hoch. Dem stationären Handel drohen deshalb im gerade beginnenden Weihnachtsgeschäft trotz der guten Konsumstimmung Umsatzeinbußen. MetOp-C soll Wettervorhersage und Klimaüberwachung weiter verbessern Wenn MetOp-C seine Umlaufbahn von 817 Kilometern über der Erde erreicht hat, ist das europäische Wettersatelliten-Trio komplett. "Dadurch wird die Vorhersage noch präziser", sagt Meteorologe Jörg Asmus vom Deutschen Wetterdienst. Denn je mehr Daten die meteorologischen Satelliten sammelten, desto genauer sei die Basis für die Vorhersage-Rechenmodelle. Der Start des Satelliten ist für Mittwoch, den 7. September geplant. Diese und alle weiteren aktuellen Nachrichten finden Sie auf heise.de

Our hosts, David M. Brear, Sam Maule and Simon Taylor are joined by two great guests: Ahmed Zaidi CTO at Catalyst AI and Kathryn Harris Innovation Lead at Lloyds Banking Group, to talk about all the latest news in fintech. Including: Starling closes their community. Citing several factors for the move, such as lack of use by most customers, the forum being a distraction for the company from core focus and a vocal minority misunderstanding its purpose. Starling’s post also made reference to banking being a highly regulated environment and forum interaction being restricted by that due to ‘tipping off’ rules. Starling says they remain committed to open conversation with customers and the wider fintech community through other channels such as social media, blog and monthly newsletter. We have a couple of great interviews with Sophie Guibaud, Managing Director for Europe at Fidor and Richard Cook, Online Community Manager from Monzo to get an insight into what communities have provided there. Digitised sexism. It turns out that women entrepreneurs who seek to finance their ventures using bank financing are increasingly forced to find solutions elsewhere. And compared to men, women entrepreneurs are pushed into desperate and extreme types of financing. State of concern. New York state’s top banking regulator on Friday sued the federal government to void its decision to award national bank charters to online lenders and payment companies. Maria Vullo, superintendent of New York’s Department of Financial Services, called the decision by the OCC to let financial technology companies, or fintech firms, obtain charters “lawless, ill-conceived, and destabilizing of financial markets.” The fintech hub to watch. Alipay and China UMS to set up EU hub in Luxembourg. At the end of a week-long mission led by Minister of Finance Pierre Gramegna to Beijing, Hangzhou and Shanghai, China’s Ant Financial confirmed the decision of its payment arm – Alipay - to set up its EU hub in Luxembourg. The announcement comes after China UMS, another major Chinese Fintech company, also announced its choice of Luxembourg. During the visit, several cooperation agreements have been signed. Arizona hits London on a mission to woo UK fintechs. Doug Ducey, the Governor of Arizona, hopes Britain’s best Fintechs can be persuaded to look beyond Silicon Valley when expanding into the US for the first time. Arizona is pitching to British fintechs in the UK this week, offering regulation-free access to the US market and promises of help with office space and talent. South African fintech JUMO to expand in Asia with Goldman Sachs backing. South Africa-based financial technology firm JUMO plans to expand in high-growth Asian markets after securing the backing of Goldman Sachs. Since 2014, JUMO, which provides credit and savings products to customers and SMBs through mobile, has mainly focused on Africa where the adoption of mobile money has transformed the banking landscape. We have a great interview with 11:FS' own Lesley-Ann Vaughan to get some deeper insight. Abu Dhabi opens digital sandbox. Abu Dhabi Global Markets (ADGM), the emirate's international financial centre, has further underlined its fintech ambitions with the launch of a digital sandbox. The sandbox is designed to offer banks, fintechs and regulators an open digital marketplace in which to collaborate on the creation, testing and adoption of new products. Mary Meeker, the legendary internet analyst is leaving Kleiner. Meeker’s by far the most senior woman in VC. The departure is rooted in different visions for the types of deals they would like to do. But like so many disputes in recent years at Kleiner Perkins, according to those familiar with the situation, there was also persistent friction between the two sides in ways that had little to do with the firm’s core business — over mundane things such as whether to host a holiday party in San Francisco or closer to Sand Hill Road in Silicon Valley. And finally, the 'first' pub in the UK has gone cashless...and it's near Ipswich. All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode, leave a review on iTunes and every other podcast app. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com This week's episode was written and produced by Dhanum Nursigadoo, produced by Laura Watkins and edited by Holly Blaxill. Special Guests: Ahmed Zaidi, Kathryn Harris, Richard Cook, and Sophie Guibaud.

"If you've got something unique and believe it's genuinely different to the other stuff that's out there, you just need to believe that wholeheartedly, and tell as many people as you can". On today's show I welcome Sara Collinge from Clarity, an International Communications Agency with offices in London, New York, Berlin and now San Francisco.  A number of guests from this show have passed through the doors of Clarity including Freeagent's Ed Molyneux, Vasiliki Petrou from Unilever Prestige and David Galsworthy from Techspace. Other clients include brands such as Fidor, Outbrain and Transferwise.  Part of Sara's remit is to oversee Clarity's international portfolio of fast-graowing tech startups and scale-ups.  Having recently atteending a one-day PR course I found it really beneficial personally and therefore thought it would be massively beneficial for you to hear from a PR expert like Sara and hear the different ways a startup or scale-up can promote what they do. Without the need for a big budget. Add that's what I did. Let's StartUp!

Celent analysts Alenka Grealish and Stephen Greer explain how banks in Europe and the Netherlands have built business models around open banking.

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 podcasts@11fs.com or on Twitter @FintechInsiders. Special Guests: Kadhim Shubber, Matty Cusden-Ross, Megan Caywood, Pete Townsend, Sophie Guibaud, and Veronique Barbosa.

Steve Kirsh. He’s the CEO of Token, a Silicon Valley startup company developing a modern platform for open banking. He’s pioneered several computer core technologies like optical mouse, Internet search, spam filtering, and secure identity and founded 7 high tech companies—two with billion dollar market caps such as Infoseek and Frame Technology. He received his BS and MS in Electrical Engineering and Computer Science from MIT in 1980. Famous Five: Favorite Book? – Like A Virgin What CEO do you follow? – Elon Musk Favorite online tool? — SimplyFile How many hours of sleep do you get?— 6.5 If you could let your 20-year old self, know one thing, what would it be? – “Just hire good, strong and experienced people” Time Stamped Show Notes: 01:25 – Nathan introduces Steve to the show 02:04 – Token supplies open banking software to banks 02:24 – There’s no real API that works with banks and this is the problem 03:00 – One of Token’s customers is Fidor Bank 03:02 – The problem is most banks don’t have an open API where you can do things like move money 03:19 – Token can get into Fidor’s API to drive its API 04:13 – Token has spent time creating an end-to-end secure architecture that is based on digital cryptography 05:24 – Steve thinks that there’s no real need for blockchain for a lot of financial applications 05:38 – “The technology for blockchain is just not appropriate” 05:48 – The Bank of England did an experiment with etherium 06:24 – Token was launched in 2015 06:50 – Steve shares how Token came to life 07:15 – Token raised $18.5M in a series A 07:26 – There’s legislation in Europe that requires banks to open their APIs and that’s when Token came in 08:07 – Token charges per API calls 08:10 – Token gets the calls for free from the banks 08:50 – The charge depends on the API calls 09:18 – Nathan simplifies how the model works 10:05 – There’s no equivalent to PSD 2 in the USA and it’s only for banks in Europe 10:20 – This can only happen in the USA if people want to be compatible with the banks in Europe 11:33 – Token’s first bank 12:11 – There are currently around 5 banks that are integrated with Token 12:25 – Team size is 25, split between San Francisco and London 14:20 – The Famous Five 3 Key Points: Find the perfect timing and opportunity to pitch your business. It is easier and more secure for banks to adapt a technology that has been tested than it is for them to create their own. Hire good, strong and experienced people for your business—it just makes like easier. Resources Mentioned: The Top Inbox – The site Nathan uses to schedule emails to be sent later, set reminders in inbox, track opens, and follow-up with email sequences GetLatka - Database of all B2B SaaS companies who have been on my show including their revenue, CAC, churn, ARPU and more Klipfolio – Track your business performance across all departments for FREE Hotjar – Nathan uses Hotjar to track what you’re doing on this site. He gets a video of each user visit like where they clicked and scrolled to make the site a better experience Acuity Scheduling – Nathan uses Acuity to schedule his podcast interviews and appointments Host Gator – The site Nathan uses to buy his domain names and hosting for the cheapest price possible Audible – Nathan uses Audible when he’s driving from Austin to San Antonio (1.5-hour drive) to listen to audio books Show Notes provided by Mallard Creatives

In this episode We've brought together some of our favourite folks from the world of FinTech challenger banks. In this episode, we talk to Starling, Fidor, and Loot about their business models, who their customers are, and how they're using technology and data to provide a great customer experience. We also discuss the challenges they're facing, what agile really means, and what's coming up for them in 2017. Enjoy the show! Our guests Megan Caywood, the Chief Platform Officer at Starling Bank Sophie Guibaud, the Vice President of European Expansion at Fidor Ollie Purdue, Founder and CEO at Loot “We like to spend a lot of time talking with our customers,” Megan says, “not just usability sessions, but chatting with them and understanding how they're currently using their banking products and where those pain points are. What we hear time and again is that what they're used to expecting –  seamlessness and ease of use from other apps and products – just isn't what they see from their bank.” Learned something cool on today's podcast? It would make our week if you told a friend about us and gave us a little shout out on iTunes. Thank you! The post Ep228 – Challenger Banks: The Battle Begins appeared first on 11:FS.

In this episode We’ve brought together some of our favourite folks from the world of FinTech challenger banks. In this episode, we talk to Starling, Fidor, and Loot about their business models, who their customers are, and how they’re using technology and data to provide a great customer experience. We also discuss the challenges they’re facing, what agile really means, and what’s coming up for them in 2017. Enjoy the show! Our guests Megan Caywood, the Chief Platform Officer at Starling Bank Sophie Guibaud, the Vice President of European Expansion at Fidor Ollie Purdue, Founder and CEO at Loot “We like to spend a lot of time talking with our customers,” Megan says, “not just usability sessions, but chatting with them and understanding how they’re currently using their banking products and where those pain points are. What we hear time and again is that what they’re used to expecting –  seamlessness and ease of use from other apps and products – just isn’t what they see from their bank.” Learned something cool on today’s podcast? It would make our week if you told a friend about us and gave us a little shout out on iTunes. Thank you! The post Ep228 – Challenger Banks: The Battle Begins appeared first on 11:FS.

In this episode On this episode of FinTech Insider we cover all sorts of intrigue, from money laundering, to tantric blockchain, to narcotics. Of course, we also analyze the latest FinTech headlines so you don’t have to, and interview some of our favourite folks at solarisBank and Penta. Thank you to our guests for another fun episode. Our guests Monty Munford, writer for The Economist, BBC, Forbes, and Fast Company, and Founder of Mob76 Megan Caywood, Chief Platform Officer at Starling Bank Sophie Guibaud, Vice President European Expansion at Fidor  News stories Forbes – Meet The European banks of the future…you might even like them – Link Business Insider – German FinTech startup solarisBank raises €26.3 million and lands Deutsche Bank exec as CEO – Link Pymnts – Penta launches to help SMEs cherry-pick banking services – Link Mastercard – Prepaid card programmes in France (no link) Independent – Banks are getting bigger, not smaller. Clearly they learnt nothing from the 2008 financial crisis – Link FT – Lloyds to transfer 1,900 staff to IBM in IT outsourcing deal – Link City A.M. – Digital challenger Starling Bank is launching in beta – Link Quartz – The influence of Uber ratings is about to be felt in the hallways of one of the world’s largest banks – Link  Are we one of your favs? If so, please tell a friend about our podcast, and leave FinTech Insider a review on iTunes. The post Ep227 – Tantric Blockchain and Other FinTech Fun appeared first on 11:FS.

Sophie Guibaud is Head of European Expansion for Fidor Bank, one of Europe's original and best known digital-only banks.   Originally launched in Germany in 2009, Fidor expanded into the UK in 2015.   Prior to joining Fidor, Sophie led product strategy and commercialization at Bankable, a white-label banking platform provider. Before that, she was the Chief Marketing Officer at HelloFresh, a Rocket Internet-backed ready-to-cook meal delivery startup.   Sophie is regularly mentioned among top fintech influencers, appearing on the Innovate Finance Women in Fintech Powerlist, CityAM's Fintech Most Influential Powerlist and Women in Fintech Powerlist and many more.    As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.   If you enjoy today's show, please subscribe on iTunes, Stitcher, Soundcloud, Overcast, player.fm, or wherever else great podcasts are distributed.   Final note: our very first exclusive Rebank update went out to our insider community this week. Sign up at bankingthefuture.com.   Thanks so much for listening today.

Slava Solodkiy founded Life.SREDA, a fintech-focused VC fund, in 2012 and has been running it ever since. Life.SREDA 1, which was focused on A-rounds in the US and Europe, invested $40m in 13 companies including Fidor, Moven, Simple, Anthemis, SumUp and Rocketbank. In November 2014, Life.SREDA launched its second fund, a $100m fund focused on B-rounds in Asia. So far, fund 2 has invested in companies including Fastacash, Mobikon, Lenddo, Ayannah and SoftPay. Life.SREDA also runs a $100m global blockchain fund. Slava and his team at Life.SREDA also regularly produce amazing fintech reports, including Money of the Future, which I'd highly recommend anyone with an interest in the space check out.

Key stories this week: Bitcoin drops 20% on news of another exchange hack: TransferWise gets direct access to Faster Payments Fintech Fundings: 186 Companies Raised $1.6 Billion in June A seven year old idea comes of age: Bank-as-a-Service Venmo Will Soon Be Larger Than Any Bank P2P Service German digital bank Fidor acquired by French banking giant Why Australia's Biggest Banks Are Going After Apple Barclays rolls out voice biometrics for phone banking If you enjoyed this episode, please subscribe below using your favourite podcasting app, follow the show @FinTechInsiders or get in touch at FinTechInsider@11FS.co.uk The post Ep105 – Putting the brakes on accelerators appeared first on 11FS. The post Ep105 – Putting the brakes on accelerators appeared first on 11:FS.

Key stories this week: Bitcoin drops 20% on news of another exchange hack: TransferWise gets direct access to Faster Payments Fintech Fundings: 186 Companies Raised $1.6 Billion in June A seven year old idea comes of age: Bank-as-a-Service Venmo Will Soon Be Larger Than Any Bank P2P Service German digital bank Fidor acquired by French banking giant Why Australia’s Biggest Banks Are Going After Apple Barclays rolls out voice biometrics for phone banking If you enjoyed this episode, please subscribe below using your favourite podcasting app, follow the show @FinTechInsiders or get in touch at FinTechInsider@11FS.co.uk The post Ep105 – Putting the brakes on accelerators appeared first on 11FS. The post Ep105 – Putting the brakes on accelerators appeared first on 11:FS.

This week: This week we talk to some of the best people in banking and Fintech with Dave Birch, Director of Innovation at Consult Hyperion (@dgwbirch) and Izabella Kaminska, Financial Times Alphaville (@izakaminska). We also interviewed Antonio Fratta Pasini from CheBanca! (@chebanca) We hoped you like Episode 104 – Follow us and tell us what you think of the show @FinTechInsiders or get in touch on FinTechInsider@11FS.co.uk   In the news we chatted through: Mark Andreesen and a16z go long on chat http://a16z.com/2016/07/24/money-as-message/ Break up the financial watchdog over HBOS failures, MPs urge http://www.telegraph.co.uk/business/2016/07/25/break-up-the-financial-watchdog-over-hbos-failures-mps-urge/?WT.mc_id=e_DM143962&WT.tsrc=email&etype=Edi_Cit_New_Tue_9Sections&utm_source=email&utm_medium=Edi_Cit_New_Tue_9Sections_2016_07_26&utm_campaign=DM143962 As goes correspondent banking so goes globalisation http://ftalphaville.ft.com/2016/07/26/2170875/as-goes-correspondent-banking-so- Italian finance minister rejects need for banks bail-in – Financial Times http://goo.gl/yQPlDI Engineers vs urban geometry http://ftalphaville.ft.com/2016/07/22/2170732/engineers-vs-urban-geometry/ Fidor fuels O2 mobile banking launch http://goo.gl/NuQU6I Fintech sector sees 23 deals worth $184 million till June this year – Economic Times http://goo.gl/F4Df3F Mark Carney Has Started A Revolution By Embracing Fintech – Forbes http://goo.gl/okTLI8 Drop in internet banking as rise in banking apps use is recorded http://goo.gl/BGu4WN We hoped you like Episode 104 – Follow us and tell us what you think of the show @FinTechInsiders or get in touch on FinTechInsider@11FS.co.uk The post Ep104 – Lots and lots of news appeared first on 11FS. The post Ep104 – Lots and lots of news appeared first on 11:FS.

This week: This week we talk to some of the best people in banking and Fintech with Dave Birch, Director of Innovation at Consult Hyperion (@dgwbirch) and Izabella Kaminska, Financial Times Alphaville (@izakaminska). We also interviewed Antonio Fratta Pasini from CheBanca! (@chebanca) We hoped you like Episode 104 – Follow us and tell us what you think of the show @FinTechInsiders or get in touch on FinTechInsider@11FS.co.uk   In the news we chatted through: Mark Andreesen and a16z go long on chat http://a16z.com/2016/07/24/money-as-message/ Break up the financial watchdog over HBOS failures, MPs urge http://www.telegraph.co.uk/business/2016/07/25/break-up-the-financial-watchdog-over-hbos-failures-mps-urge/?WT.mc_id=e_DM143962&WT.tsrc=email&etype=Edi_Cit_New_Tue_9Sections&utm_source=email&utm_medium=Edi_Cit_New_Tue_9Sections_2016_07_26&utm_campaign=DM143962 As goes correspondent banking so goes globalisation http://ftalphaville.ft.com/2016/07/26/2170875/as-goes-correspondent-banking-so- Italian finance minister rejects need for banks bail-in – Financial Times http://goo.gl/yQPlDI Engineers vs urban geometry http://ftalphaville.ft.com/2016/07/22/2170732/engineers-vs-urban-geometry/ Fidor fuels O2 mobile banking launch http://goo.gl/NuQU6I Fintech sector sees 23 deals worth $184 million till June this year – Economic Times http://goo.gl/F4Df3F Mark Carney Has Started A Revolution By Embracing Fintech – Forbes http://goo.gl/okTLI8 Drop in internet banking as rise in banking apps use is recorded http://goo.gl/BGu4WN We hoped you like Episode 104 – Follow us and tell us what you think of the show @FinTechInsiders or get in touch on FinTechInsider@11FS.co.uk The post Ep104 – Lots and lots of news appeared first on 11FS. The post Ep104 – Lots and lots of news appeared first on 11:FS.

This week we are joined by Anna Irrera from the Wall Street Journal as well as Sophie Guibaud from Fidor to talk about how they see Brexit impacting Fidor and the Fintech world. Articles we discuss in the news: Apple Pay: Payment's dirty little secret http://www.pymnts.com/news/mobile-payments/2016/apple-pay-adoption-usage-2016/ Fixing the hole in Ethereum http://www.coin-desk.com/ether-prices-plunge-dao-soft-fork-warning/ We hoped you liked Episode 1 – Follow us and tell us what you think of the show @FinTechInsiders The post Ep101 – Brexit Special appeared first on 11FS. The post Ep101 – Brexit Special appeared first on 11:FS.

This week we are joined by Anna Irrera from the Wall Street Journal as well as Sophie Guibaud from Fidor to talk about how they see Brexit impacting Fidor and the Fintech world. Articles we discuss in the news: Apple Pay: Payment’s dirty little secret http://www.pymnts.com/news/mobile-payments/2016/apple-pay-adoption-usage-2016/ Fixing the hole in Ethereum http://www.coin-desk.com/ether-prices-plunge-dao-soft-fork-warning/ We hoped you liked Episode 1 – Follow us and tell us what you think of the show @FinTechInsiders The post Ep101 – Brexit Special appeared first on 11FS. The post Ep101 – Brexit Special appeared first on 11:FS.