How are banks and fintechs planning for a digital future.

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The rise of subscription banking and why it needs to fit into customers' lives

As our financial lives become more complex, there is a growing expectation for banks to offer more support, be more relevant, and generate greater everyday value. One of the clearest places this shift is starting to show up is in subscription banking.

5min read
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Vertical Agentic AI is the next frontier for value creation In financial services

Most AI deployments so far have focused on AI that “talks”, which can search, summarise, and draft content to support employees. The next wave is different: AI agents that “do” are starting to take bounded actions inside workflows, moving cases forward and coordinating steps end-to-end, with humans kept in control where it matters.

6min read
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Why the future of fintech depends on empowering SMBs

While consumer-focused fintech has seen waves of innovation since the early 2000s, the small and medium-sized business (SMB) sector has remained comparatively underserved.

2min read
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Agentic AI is reshaping financial services

Unlocking agentic AI’s upside demands rethinking how humans and systems share control, rebuilding data and API foundations, and scaling autonomy in measured steps with rigorous human-style QA

10min read
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How digital payouts offer a competitive edge to insurers

In the highly competitive insurance sector, customer experience is a critical differentiator. While insurers focus on policy features and premiums, the claims payout process is often overlooked, creating a significant point of friction.

3min read
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Culture

I’ve incentivised innovation, why isn't my team innovating?

At one of our Truly Digital After Dark events, Anne Boden said “if you call yourself digital, you’re not digital”.

4min read
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11:FS Pulse

5 fintechs to watch in Asia

The fintech scene in Asia is booming. In recent years, the region has developed rapidly, with a diverse array of startups and established banks transforming how financial services are delivered and consumed.

4min read
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How internal adoption fuels successful embedded finance solutions

Payments in the Middle East are evolving. The payments landscape in the Middle East has stood at an important tipping point for some time.

4min read
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We won Consultancy of the Year 2025!

The U.S. Treasury and the Office of the Comptroller of the Currency (OCC) both hit the headlines with fintech-related announcements. Treasury released a 222-page report on the subject of Nonbank Financials, Fintech, and Innovation, while the OCC almost immediately followed with the news that it would finally begin accepting National Bank Charter applications from fintechs, in line with Treasury recommendations.

3min read
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Execution is everything: Why speed x quality wins the day

How do I create the 5 year plan for 8 software releases a day? This is one of my favourite lines from an old school bank executive. It happened live on stage in front of 500 people when I made the point that challenger banks are now operating at 8 releases per day. It might seem nerdy, but why does it matter how often banks release new software?

5min read
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How building societies can own the homebuying space

Looking to crypto and seeing it simply as a speculative asset class is a common mistake for financial institutions and even regulators. But if you start to look beyond the headlines, you can see there’s untapped potential for banks to better serve the SMB market.

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Subscription trends to watch in 2025

The FCA have just published their feedback to the Call For Input (CFI) on open finance. Over 160 organisations responded to the call, the results of which are being watched by financial bodies, regulators and companies the world over.

6min read
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Are you selling or partnering with banks?

The fintech ecosystem is currently going through an exciting phase. Startups that were once considered young and immature like Monzo, Revolut, or Airwallex have grown into established financial companies. At the same time, incumbent banks are getting better at engaging and investing in fintech. The two worlds are converging and sparking new opportunities for partnerships.

6min read
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Fintech Insider

730. News: Is Apple a fintech now?

Apple launches savings account, JROC lays out Open Banking roadmap, and Game of Thrones stars challenge big banks over fossil fuel links – Ross Gallagher and Benjamin Ensor are joined by some great guests, from Yonder and Open Finance Association, to talk about the most interesting stories in financial services over the last 7 days.

1h06 listen
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Fintech Insider

729. Insights: How do community banks stay relevant in 2023?

Benjamin Ensor and Kate Moody are joined by some great guests, Bridge built by Citi and Seattle Bank, to look at the challenges and opportunities for community banks in America.

46min listen
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Fintech Insider

728. News: FCA enlists Love Island star while Visa connects Venmo and PayPal users

Love Island's Sharon Gaffka teams up with FCA in clampdown on influencers, Visa partners PayPal for interoperable P2P payments, and Verto picks up a quarter of Silicon Valley Bank customers in Africa – Ross Gallagher and Benjamin Ensor are joined by some great guests, from Verto and CCG Catalyst, to talk about the most interesting stories in financial services over the last 7 days.

1h01 listen
726
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Fintech Insider

726. Focus: Can APAC’s travel sector spur on its financial services?

David M. Brear is joined by some great guests, from Visa, YouTrip, and Revolut, to focus the connected nature of travel and financial services in APAC.

40min listen
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Fintech Insider

725. News: Has Apple missed the Buy Now Pay Later boom?

Crowdcube and Octopus Investments opening up retail investments, Apple Pay Later is finally launching, and Twitter changes logo to Dogecoin cryptocurrency image – Ross Gallagher is joined by some great guests, from Crowdcube, Fintech Business Weekly, and The Fintech Times, to talk about the most interesting stories in financial services over the last 7 days.

50min listen
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Fintech Insider

723. News: After Dark: Silicon Valley Bank bought by US rival and Klarna embraces ChatGPT

Silicon Valley Bank bought by rival, Klarna plugs ChatGPT into its platform, and Latitude Financial records stolen in cyber attack – David M. Brear and Kate Moody are joined by some great guests, from CFIT and first direct, live on stage in London to talk about the most interesting stories in financial services.

47min listen
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Fintech Insider

722. Insights: How do you choose the right investment path for your business?

David M. Brear is joined by some great guests, from Stonehaven LLC, National Bank of Canada, and Anthemis, to discuss the various funding options for fintechs and startups.

40min listen
721
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Fintech Insider

721. Focus: Building financial inclusion for seven generations, with Amber Buker, CEO of Totem

Our expert host, David Barton-Grimley, is joined by a fantastic guest from Totem to continue exploring financial inclusion in the USA.

33min listen
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Fintech Insider

720. News: UBS snaps up Credit Suisse, while Stripe breaks the down round stigma

UBS is buying Credit Suisse in bid to halt banking crisis, FCA warns payment firms over ‘unacceptable risk of harm to customers’, and Stripe now valued at $50B following $6.5B raise – Ross Gallagher and Kate Moody are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days.

1h03 listen
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Fintech Insider

719. Insights: Is FinOps the key to ride out the economic storm?

David M. Brear is joined by some great guests, from 11:FS, Google, and Weavr, to discuss how cloud services and FinOps as a practice can help financial services in these economically difficult times.

49min listen
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Fintech Insider

718. News: The ultimate Silicon Valley Bank explainer

Silicon Valley Bank closed by regulators, HSBC buys Silicon Valley Bank's UK unit for £1, and Succession's Logan Roy comes to the London Stock Exchange – Kate Moody and Benjamin Ensor are joined by some great guests, from Innovate Finance and Fintech Takes, to talk about the most interesting stories in financial services over the last 7 days.

58min listen
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Fintech Insider

715. News: Abound raises $601m for AI lending and Griffin levels up with banking licence

Abound raises to supercharge AI-powered consumer lending, BaaS platform Griffin secures UK banking licence with restrictions , and people are posting their failed Monzo applications on TikTok –Ross Gallagher and David Barton-Grimley are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days.

1h04 listen
714
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Fintech Insider

714. Insights: Has financial services only been built for half the population?

Kate Moody is joined by some great guests, from Dawn Capital, JP Morgan Chase, and Your Juno, to discuss if financial services is currently doing enough for women.

40min listen
713
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Fintech Insider

713. News: JP Morgan bans ChatGPT, while female founders are on the rise

Natwest’s Rose Review reveals record new firms founded by women, JP Morgan bans ChatGPT, and should you tip your landlord? – Benjamin Ensor is joined by some great guests, from Anthemis, Brite Payment, and Seccl, to talk about the most interesting stories in financial services over the last 7 days.

1h listen
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Fintech Insider

712. Insights: How does embedded finance make money?

David Barton-Grimley is joined by some great guests, from Ampla, Fiat Republic, and HSBC, to give examples of how embedded finance can find scale and make a profit.

45min listen
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11:FS Pulse

Banks are losing the loyalty game | 11:FS Explores

Hey, banks! This might sting a bit. You’re getting loyalty all wrong - and it’s costing you customers. But all is not lost!

7min watch
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11:FS Pulse

3 ways AI is shaking up UX in financial services | 11:FS Explores

The entire world is buzzing about AI, and that ain't changing anytime soon. But as AI becomes more integrated into our daily lives, what impact will it have on financial services and how people interact with them?

5min watch
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Decoding

How does banking regulation work? - Decoding: Banks

Regulation is essential. It stops banks from going bust or behaving badly.

12min watch
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Lending

How does lending work? - Decoding: Banks

Lending has been around for thousands of years and is one of the cornerstones of banking.

11min watch
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Decoding

How do card networks operate? - Decoding: Banks

Mastercard and Visa are the two biggest credit card networks in the world.

13min watch
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Decoding

How has the banking battlefield evolved? - Decoding: Banks

We kick off our Decoding: Banks series with a look at the banking landscape today and how we got here.

13min watch
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11:FS Explores: Legacy banking systems ft. David M. Brear

David M. Brear, our 11:FS CEO, takes us through legacy technology within banks - but of course, with a really cool Lightboard.

7min watch
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Homebuying

Why Homebuying is broken and how to fix it | 11:FS Explores

There are one billion people globally who can't prove their identity. That's a big problem for accessing financial services.

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What Griffin are going to do now they have their banking licence with CCO Adam Moulson | Spotlight

Inclusive design is a mindset and a process that suggests that you should bring as many people as possible - and the most diverse of voices that you can - into your product design product process, so that you're being truly inclusive. It's designing with people rather that just at them. Charlotte Fereday, Product Director, Ventures, explains what inclusive design is, why it's important, how you can design more inclusively, and answers - how possible is truly inclusive design?

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Unleashing creativity! A case study on sparking innovation with Bidyut Dumra from DBS | Spotlight

On this episode of Spotlight, 11:FS Crypto Global Strategy Director, Mauricio Magaldi is joined by Ramp Network Co-Founder and CEO, Szymon Sypniewicz. In today's chat, the pair discuss Szymon's career, the current regulatory landscape in crypto, and what the future might hold when it comes to widespread crypto adoption.

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fintech Insider

Insights: The future of Revolut with UKCEO Francesca Carlesi

The UK banking battlefield has never been more competitive. Customers expectfinancial apps that are personalised, seamless, and that genuinely make a differenc...

1h2 listen
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fintech Insider

Insights: The future of Revolut with UKCEO Francesca Carlesi

1h2 listen
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
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fintech Insider

Insights: The future of Revolut with UKCEO Francesca Carlesi

The UK banking battlefield has never been more competitive. Customers expectfinancial apps that are personalised, seamless, and that genuinely make a differenc...

1h2 listen
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
960
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fintech Insider

Insights: The future of Revolut with UKCEO Francesca Carlesi

1h2 listen
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
960
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fintech Insider

Insights: The future of Revolut with UKCEO Francesca Carlesi

1h2 listen