1029. Insights: How AI is reshaping consumer-focused banking

About this episode:

On this week's episode, David M. Brear is joined by some great guests to tack a question on every bank and fintech leader’s mind: is AI redefining consumer-focused banking in 2026?

Using our Digital R.I.C.H.E.S framework, we explore how AI is changing the way financial services meet customers at their point of need, from real-time insights and smarter personalisation to context-aware experiences.

This is what truly digital banking looks like now, what’s hype versus reality, and what consumers should actually feel and benefit from as AI becomes embedded in everyday money management.

This week's guests:

• Ross Gallagher - Head of Consulting at 11:FS
• Fernanda Dobal - Product Director at Cleo
• Megan Caywood - CEO and founder of Caywood.io

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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.

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