1113. Insights: What happens to banking when money manages itself?

November 5, 2026
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48min listen

1113. Insights: What happens to banking when money manages itself?

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About this episode:

As AI agents become capable of automatically moving money, optimising savings and making financial decisions on our behalf, could they fundamentally challenge the way banks make money?

Host Ross Gallagher is joined by Conrad Ford from Allica Bank, Merusha Naidu from Paymentology, and Aurélien Bonnel from N3xt, to explore what fully automated money could mean for the future of banking.

They discuss whether AI agents could disrupt traditional banking revenues, make deposits more mobile and introduce new risks to financial stability. Plus, as banks compete to serve AI agents rather than just customers, what will it take to remain profitable, and who stands to benefit from a more automated financial system?

This week's guests:

Conrad Ford - Chief Product and Strategy Officer at Allica Bank

Merusha Naidu - Global Head of Partnerships at Paymentology

Aurélien Bonnel - CTO of N3xt

Links to check out:

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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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