About this episode: 
Host David Barton-Grimley, Director of Strategy and Head of Product at 11:FS, is joined by a fantastic panel of guests as we dive into some of the biggest stories from the worlds of fintech, banking, and wider financial services this week.
Stories covered on the podcast this week include: 
As AWS outages shook the world this week, we explore how the disruption sent ripples through the fintech industry. We also speak with Tink about their expansion into the Pay by Bank market across France, Germany, and Austria, in partnership with Splitwise. Joining us as well is Paymentology, who share insights into their exciting Paycredit launch - a cloud-first credit ledger platform designed to help financial institutions build flexible, feature-rich credit products.
Elsewhere, Revolut has secured a banking licence - but why in Mexico and not the UK? We find out. Plus, we unpack what Zilch and Plaid’s latest partnership means for open banking repayments, and wrap up the show with a spooky, fintech-themed surprise for our panellists.

This week's guests:
<ul>
 <li>
Ian Morrin, Head of Payments at Tink
</li>
 <li>
Merusha Naidu, Global Head of Partnerships at Paymentology
</li>
 <li>
Pablo Viguera, co-CEO at Belvo

Also featuring a voice note from: 
Joe Zender, Chief Product Officer at Zilch
<a href="https://www.youtube.com/watch?v=jduHGbe6pD0">Listen to Fintech Insider Insights Bonus: How Monzo stays online when everyone else goes down - with CTO Matej Pfajfar</a>
</li>
</ul>
Timestamps/stories 
Intro - (00:00)<a href="https://ffnews.com/newsarticle/fintech/wise-challenges-indias-forex-card-market-announces-countrys-first-travel-card/">⁠</a>
<a href="https://www.cnbc.com/2025/10/20/amazon-web-services-outage-takes-down-major-websites.html">AWS Outage: A Major Risk For The Financial Sector?</a>- (08:20)
<a href="https://ffnews.com/newsarticle/paytech/splitwise-expands-pay-by-bank-across-france-germany-and-austria-with-tink/">Splitwise expands Pay by Bank across France, Germany, and Austria with Tink </a>-<a href="https://www.reuters.com/business/finance/swift-top-global-banks-working-blockchain-based-overhaul-2025-09-29/">⁠⁠(20:10)⁠⁠⁠</a>
<a href="https://www.businesswire.com/news/home/20251022778948/en/Paymentology-Launches-PayCredit-to-Power-Credit-Innovation-for-Digital-Banks-and-Fintechs">⁠Paymentology Launches PayCredit to Power Credit Innovation for Digital Banks and Fintechs- ⁠</a>(35:41)
<a href="https://www.finextra.com/newsarticle/46783/revolut-gets-mexico-banking-license">Revolut gets Mexico banking license ⁠⁠- (48:04)⁠⁠</a>
<a href="https://financialit.net/news/banking/zilch-partners-plaid-enable-open-banking-repayments">⁠⁠⁠⁠⁠⁠⁠Zilch and Plaid partner to integrate open banking into repayments-⁠⁠ (54:16)⁠</a>⁠
-- 
Links to check out: 
Join our WhatsApp community, where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to.
<a href="https://chat.whatsapp.com/KpA4gFbbWDlLFm7kx39raf">⁠⁠⁠⁠⁠https://chat.whatsapp.com/KpA4gFbbWDlLFm7kx39raf</a>
Buy tickets for After Dark: <a href="http://11fs.com/afterdark">11fs.com/afterdark</a><a href="https://chat.whatsapp.com/KpA4gFbbWDlLFm7kx39raf">⁠⁠⁠⁠</a>
-- <a href="https://chat.whatsapp.com/KpA4gFbbWDlLFm7kx39raf">⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>
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 <a href="mailto:podcasts@11fs.com">⁠⁠⁠⁠⁠podcasts@11fs.com⁠⁠⁠⁠⁠</a>! Learn more about your ad choices. Visit <a href="https://megaphone.fm/adchoices">megaphone.fm/adchoices</a>

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