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Digital banking, payments, financial infrastructure, insurance technology, fraud, and financial APIs.
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Top 10 FinTech, Payments & InsurTech Podcasts of 2026
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Breaking BanksBreaking Banks - The #1 Global Fintech PodcastA researched podcast for FinTech, Payments & InsurTech.
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All latest episodesBanking Transformed8 min
The Real AI Risk Facing Banks and Credit Unions
Our own industry said so before any of this noise started. Public unease about artificial intelligence is high, and the people building the world's most advanced systems have started saying out loud that the pace needs to slow. Pew found that 63% of Americans think AI is advancing too quickly, against 2% who think it is moving too slowly. Inside banking, that atmosphere has begun functioning as permission to wait. Jim Marous opens this episode with a board director who asked the question directly: should the institution slow down because of everything he had been reading? Jim argues the answer was settled months ago in a quieter moment. Surveyed by their own trade association, banks described themselves as cautious about AI and still concluded that inaction carries the higher cost, through deeper vendor dependence, internal expertise that never develops, and ground lost as AI becomes part of everyday banking. Nothing in the recent wave of warnings touches any of those three, because the argument at the top of the industry is about how quickly to build the next generation of models, and retail banking is not building them. The episode then does something unusual with the year's scariest AI story. Read closely, the recent disclosures of unexpected model behavior describe a governance failure any banker would recognize: systems rewarded for the wrong things, tasks that could not be completed, errors nobody wrote down. That reframes the whole debate as operating guidance, and it leads into a plain answer to where AI belongs in next year's plan, which use cases to deploy today, which one to pilot where the customer can see it, and what to hold until an approval step exists. About: Banking Transformed is hosted by Jim Marous, a top five banking industry influencer and Co-Publisher of The Financial Brand. Banking Insights episodes deliver the most important strategic ideas in under ten minutes, for the executive who wants the takeaway without the deep dive.
Fintech Takes1 hr
Under the Hood of Fintech Products
Welcome back to the Fintech Takes podcast. I'm Alex Johnson, joined by Jas Shah , fintech product consultant and author of one of my favorite newsletters, Fintech: Under the Hood , which gets into serious detail from a builder's perspective. Jas has built a range of fintech products and consulted for fintech companies and banks, so we spend this episode in the gloriously granular trenches of Fintech Productland. We cover a lot of ground, like where digital onboarding still falls short after a decade of progress, why personal financial management remains one of the hardest categories in consumer fintech to pull off, and where AI might change that. Highlights include: Why do banks struggle to build onboarding that feels as connected as their customers expect? Can an AI buddy that checks in over WhatsApp succeed where, in Jas's words, "glorified pivot tables" fell short? What happens when payment agents spending on your behalf come up against financial management agents? If ChatGPT's personal finance features reach free users, whose interests will the advice serve? Plus, we close with the most important conversation it's possible to have in fintech: how to name your fintech company after J.R.R. Tolkien's oeuvre. Tune in for a nerdy, practical tour under the hood of fintech product building (with a closing detour through Middle-earth). --- This episode is brought to you by Ocrolus. Better lending starts with better intelligence. A borrower's cash flow only tells half the story, so Ocrolus fills in the rest with behavior signals and industry benchmarking.
Leaders in Payments42 min
Embedded Finance Special Series: From Features to Revenue Engine with Ali Mast & Ashley Willson, Revolv
Embedded finance can be the cleanest growth lever a software platform has, but most teams discover the hard way that launching payments is the easy part. Real success comes down to adoption, ownership, and building a customer experience that makes payments and other financial products feel native, not bolted on. Greg Myers sits down with Revolv Co-founders Ali Mast and Ashley Willson to unpack the translation gap between SaaS operators and payments providers, and why that gap quietly kills attachment rates and margins. We dig into the most common places companies get stuck: chasing a new processor when the real issue is strategy, approaching payments like a cost center, and skipping the internal work required to scale. Ali and Ashley share what actually moves the numbers: integrating payments into the product journey, aligning product, sales, customer success, finance, and leadership, and enabling reps with pricing tools and incentives that make payments revenue worth the effort. We also talk about when to optimize a current provider versus running an RFP, and why hard cutovers can backfire if you have not stabilized the business first. Then we zoom out to “what comes after payments.” You will hear the framework Revolv uses to evaluate lending, banking, issuing, payroll, and more, including why issuing is climbing fast as providers lower the operational burden. If you care about embedded payments adoption, take rate, monetization, and building an embedded finance strategy that stands up to board scrutiny, this is a practical roadmap.
Fintech Insider by 11:FS1 hr 1 min
1100. News- After Dark: Nubank takes on the US, Monzo Aura launches, and can you trust AI with your money?
About this episode: Our expert host David M. Brear, CEO at 11:FS, and co-host Kate Moody, Customer Strategy Director at 11:FS, present a very special edition of Fintech Insider News live from Village Underground in London. Joined by some fantastic guests and our live audience, we celebrate our 1,100th episode by discussing some of the biggest fintech and financial services stories of the week. Stories covered on the podcast this week include: Nubank takes its next big step with a launch into the US market, betting on word of mouth as it looks to build its fourth market. We also look at Monzo Aura, the UK’s first credit card to automatically invest cashback as customers spend, and hear from Luke Enock, General Manager of Borrowing at Monzo. Plus, new research puts the accuracy of AI-generated financial advice under the spotlight as consumers increasingly turn to general-purpose AI tools for help with their money. And to celebrate 1,100 episodes, we put our panel and live audience to the test with “And finally… or artificially?” — can they tell which of the weird and wonderful stories we’ve covered on Fintech Insider are real, and which have been invented by AI? This week’s guests: Jon Hart - Enterprise Sales Lead at Sage Alexandra Rivas-Gale - Product Director at Barclaycard Payments Tamara van den Ban - Managing Director, Premier Banking at NatWest Group Timestamps/stories: Nubank comes to the U.S. with a big bet on word of mouth (04:59) Monzo's new Aura credit card comes with AI subscription perk and cashback (18:08) AI gets financial advice wrong 57% of the time (32:47) This edition of After Dark was sponsored by Sage and Plaid . About Fintech Insider: Fintech Insider by 11:FS is a bi-weekly podcast that covers everything from finance and banking to technology and the latest trends in financial services. Our expert hosts, with hands-on industry experience, are joined by key decision-makers, VCs, and top reporters from across the financial landscape, including guests from companies like Stripe, Revolut, Plaid, PayPal, and Monzo. Together, they break down the biggest news and innovations shaping the space. Our weekly news show drops every Monday, covering major stories like mergers, new product launches, regulatory shifts, and emerging tech trends. On Thursdays, our Insights show goes deeper into the hottest topics driving the future of finance, including AI in banking, decentralised finance, and the evolving landscape of embedded finance. Whether you're already in the fintech game or just starting to explore, this is the #1 podcast for you. If you enjoyed this episode, don’t forget to subscribe and leave a review! Got a question for us? Email!
One Vision Podcast36 min
Platform or Pipe: Why Most Banks Already Chose
Every few years someone tells us banking is about to be disrupted. It never quite happens. So when Dharmesh Mistry and Lou Carlozo came on to talk about their new book, The Intelligent Ledger, I asked: Why is this time different? Dharmesh's take? Banking has adopted plenty of individual technologies, from mainframe to client-server, internet, mobile, cloud. None of them disrupted anything. But the iPhone didn't win by being a better phone. Nokia was building a better phone. Kodak was building a better camera. Garmin was building a better GPS. The iPhone was all of them at once, and the market reorganised around it in under five years. His claim is that banking now has its own version of that convergence — what he and Lou call the Quanvergence: open, accessible data; agentic AI; tokenisation; and quantum, arriving together rather than in sequence. Not the best AI bank. Not the best tokenised rails. All of it, in one place. So platform or pipe? And who will win? 📱 The Intelligent Ledger ships at the end of September from Palgrave Macmillan. Hot take 🔥"Banks have already chosen pipe, but they're not admitting it. Nobody wants to hear it. If you're selling products and that's all that you're doing, you're making your money from margin on a product — that makes you a pipe. So just admit it and get on with it." — Dharmesh Mistry Hot take 🔥"Change or die by 2032." — Lou Carlozo 🎧 Listen now wherever you get your podcasts. One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech.
Fintech One-On-One29 min
The Layer Underneath Payments, Treasury and FX with Vroon Modgill, CEO of Sokin
Vroon Modgill spent two decades in payments as an accountant, finance director and CFO before founding Sokin in 2019. The company launched as a subscription-based consumer remittance app and is now a B2B payments and treasury platform running across 170 countries and 70 currencies, growing 100% a year while staying profitable. We talk about the pivot out of consumer, where stablecoins actually earn their place, and why he thinks the moat in agentic finance sits in the regulated plumbing rather than in the agent. What We Covered Twenty years in payments before founding Sokin Watching his father fill out the same compliance forms on every remittance Why a consumer subscription app was the wrong business to be in The 2021 decision to go all in on B2B Sitting underneath the payments, treasury and FX providers One integration across 170 countries and 70 currencies Enterprise direct versus the embedded partner channel Embedded going from zero to 40% of projected US revenue in a year Why most of the world is not card first Owning the stablecoin stack instead of renting it The MCP connector and agent-prepared, human-approved payments Nine dollars of revenue for every dollar of net cash burned The Series B, the Oxford Finance debt facility and the licensing build-out What the Manchester United partnership actually delivers Key Takeaways The defensible layer in agentic finance is not the model. An agent that decides to fund payroll still needs an account, a license and a rail, which is why the licensing build-out matters more than the AI demo. Stablecoins work best treated as a rail rather than a religion. Sokin bought the engineering DNA, runs fiat and stable through the same licensed infrastructure, and lets the route decide. Consumer remittance is a price and marketing game. Being right about the problem does not make it the right business, and the enterprise version of the same friction is where the money is. Profitable growth is a capital strategy, not just discipline. It let Sokin raise equity into strength and add debt at a lower cost than dilution. About Vroon Modgill Vroon Modgill is the founder and CEO of Sokin, a global business payments and treasury platform he launched in 2019. He trained as an accountant and spent roughly 20 years in payments and finance leadership roles, including finance director positions at startups and, from 2017 to 2019, North America CEO and global CFO of a crypto payments company. Sokin closed a Series B led by Prysm Capital with Morgan Stanley returning, followed by a debt facility from Oxford Finance, and is the official payments partner of Manchester United. Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes
Breaking Banks35 min
Unlocking Financial Access
As a Peace Corps volunteer with an engineering degree from MIT, Doug Ricket, Founder and CEO, PayJoy, a leading financial services provider for underserved consumers across emerging markets, learned first-hand what it means to build trust in underserved communities. The experience in West Africa sparked a long-held interest that eventually put Doug’s engineering and tech background to work to make a true financial impact and build a mission-driven business for underserved consumers, 20 million of them to date across 9 countries (Mexico, Brazil, Indonesia, South Africa, Ecuador, Peru, Panama, Colombia, and the Philippines) Listen as Doug shares his founder journey with Brett King and explains why he left a comfortable path in tech to help first-time borrowers build credit and access broader financial services and payments. Smartphones have become essential economic infrastructure. A smartphone can be a customer’s first productive financial asset and first step into formal financial access, creating financial opportunity for consumers otherwise locked out of traditional credit and payments infrastructure. 40% of PayJoy’s customers are new to credit; 37% are first-time smartphone users. How does PayJoy build a credit profile for someone who’s never had access to credit before? What sets their approach apart from traditional lenders? Listen to find out.
Payments on Fire1 hr 2 min
Episode 302 - Catching Up on the Capital Markets, with Timothy Chiodo, UBS
About a year ago, we chatted with with Tim Chiodo of UBS and Chris Kim of Capital Group about the investment side of payments. It's been a pretty volatile 12-months in the equity market since then - well-timed for Bryan Derman to welcome Tim back to the podcast and catch up on the market factors playing into the payments space. Listen in as they recap the performance of payments stocks, dive into the e-commerce market, provide perspective on the card networks, discuss merchant acquiring growth opportunities, and finish up with a lightning round on emerging technology. Transcript & links to charts from the episode can be found here on our website .
Tearsheet Podcast16 min
Over and Underhyped: The banking trends we’re getting wrong
For the second episode of The Editors’ Room, we flipped the format around. One trend we think the industry is overhyping, and one that isn’t getting nearly enough attention. Managing Editor Sara took the overhyped side: the race to become a customer’s primary financial relationship. Founding Editor Zack’s underhyped pick was something that gets little attention in the larger scheme of things: the continued importance of bank branches.
The Fintech Blueprint47 min
How zerohash won Morgan Stanley's crypto business
In this episode, Lex chats with Edward Woodford — Founder and CEO of zerohash, a crypto and stablecoin infrastructure platform that lets banks, brokers, and fintechs embed digital-asset trading, payments, and tokenization through a single API. Four years on from their last conversation, zerohash has settled over $65 billion in volume across 7 million customers, gone global under MiCA and EMI licensing in Europe, and onboarded institutions like Morgan Stanley. They discuss the pivot from embedded crypto to pure-play B2B infrastructure, and why the product zerohash actually sells is trust — with licensing treated as a bar, not a goal — in a world where state actors are now the primary threat. Edward breaks down the three core rails (Trade, Transact at roughly 70% of revenue, and Tokenization), and unpacks the emergence of "on-chain money" as a legally fragmented category — stablecoins under GENIUS, tokenized deposits, tokenized money-market funds, and CBDCs, each a distinct form of dollar created inside twelve months. They explore how velocity of money and just-in-time funding reshape SME payroll, why the new Auth product aims to be the open banking of stablecoins, and where the industry sits on an S-curve Edward insists is still nowhere near maturity. Finally, they take a skeptical pass at the machine economy, landing on agent-to-knowledge payment — not consumer micropayments — as the durable intersection of stablecoins and AI, and on the convergence that will pull traditional and crypto-native payment firms into aggressive consolidation. We recorded the podcast earlier in the year, and everything that Edward teased in his conversation has come to market. The E-Trade integration is live. The staking infrastructure has launched. The Treasury published the first proposed rules under the Genius Act, so you can see how those predictions came to market. Also, Stripe and Visa answered his M&A predictions with something even bigger: 140 Company Stablecoin Consortium. NOTABLE DISCUSSION POINTS: Trust is the product; licensing is just table stakes. Edward’s sharpest framing is that “licensing is a bar, not the goal” - getting licensed actually opens you to new risks to manage at scale. For an FI like Morgan Stanley, whose crypto revenue is trivial next to tens of billions in quarterly profit, the deciding factor isn’t upside but de-risked entry: FIPS/government-grade compliance, an eight-year clean track record, and a threat model that now treats state actors as the primary adversary. “On-chain money” has fractured into distinct legal categories in under a year. Post-GENIUS and MiCA, stablecoins (backed 100% by short-term government debt) are now legally separate from tokenized bank deposits (e.g. JPMorgan), tokenized money-market funds, and CBDCs - each a different form of dollar. Edward predicts this taxonomy keeps multiplying, and treats the resulting complexity, including cross-chain stablecoin interoperability, as a widening moat rather than a nuisance. The real AI-stablecoin use case is agent-to-knowledge payment, not micropayments. Edward pushes back on the popular “sub-penny real-time micropayments” narrative - invoking iTunes, where payments got batched rather than charged per song. The durable edge, he argues, is a globally programmable rail where an agent in Mozambique can settle with a content creator in Brazil, with knowledge released on a DvP basis as payment clears. Sub-penny amounts get aggregated into daily or weekly batches. 37’22: The Fortune 500 is barely penetrated: what usability and distribution unlock next 41’10: Agent-to-knowledge transfer: the real intersection of stablecoins and AI, beyond the sneaker purchase 46’41: The channels used to connect with Edward & learn more about zerohash Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .