Simon Taylor talks to Eric Wilson of Xinja, described as Australia’s first digital bank, about its business model, how it makes money, and what its long-term goals are.

Simon Taylor talks to Eric Wilson, CEO at Xinja, which is building Australia’s first digital bank. First off, Eric introduces us to Xinja – what it is, how it works and what makes it unique, and of course we had to ask how they came up with the name and how it’s pronounced (like ninja).

We ask about the company’s business model; how they make money, who their customers are and how they acquire them, and what their long-term goals are.

Eric also tells us about Xinja’s partnership with Equitise to offer equity crowdfunding, and the Founding Xinja community, and their aims to bring humanity back to banking and how they feel about the label ‘neobank’.

We also get his thoughts on the future of cash, particularly in Australia, and how the Australian market compares to the UK, Europe and the States.

– This podcast is reproduced with kind permission. Some minor changes may have been made to the text to reflect BankNXT style considerations, but the podcast itself is always unchanged. See more FinTech Insider content here. Image by kentoh,; Xinja

About the author


11:FS is a "digital transformation agency" that believes banking should be about more than selling financial products. It is co-founded by David Brear, Jason Bates, Ross Methven, Meaghan Johnson and Simon Taylor. 11:FS produces FinTech Insider, and provides services such as 11:FS Pulse, 11:FS Ventures and 11:FS Talks.

About the author

Simon Taylor

Simon Taylor is co-founder and director of blockchain at 11:FS, and previously worked with Barclays and TSYS. He is a regular name on various fintech 'powerlists'.

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