How are banks and fintechs planning for a digital future.

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11:FS Pulse

4 fintechs and their winning social features

Once upon a time, social media and finance apps might’ve seemed like strange bedfellows.

3min read
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Unfiltered

What's needed for the next evolution of climate fintech?

COP 27 came and went last month. It’s now time to look back at what happened and what still needs to happen. What can the climate fintech industry in particular reflect and iterate on as we head into 2023?

4min read
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Technology

Why is it so hard for FS companies to get tech right?

Getting tech right in banks is hard. We get this because our experts have worked in some of the biggest financial services institutions and experienced how things can be done differently. In this article, we’ll share some of the insights that we’ve learnt along the way.

4min read
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Unfiltered

How early-stage investors can navigate the most chaotic economy in living memory

Mortgages and ancient sex positions aren’t two things you’d usually put together (or want to read about at the same time, for that matter). But digital mortgage broker Habito has ripped up the rulebook and created a Mortgage Kamasutra book in its place. And we can’t help but respect them for it.

3min read
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Crypto

It’s time for incumbents to invest in web3

One of the phrases you often encounter when reading things about mental health is "It's OK to not be OK." Whilst I get the sentiment, as someone who has been there, it really isn't OK. It sucks.

4min read
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Unfiltered

The next generation of financial services has to be truly inclusive

We all employ a user-centred design (UCD) approach to inform what products we build and how they should work, but all that customer insight gives us one oft-overlooked learning: the actual language customers use to speak about their problems.

3min read
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Economy

What a recession means for fintech

Did you know that when they’re not dishing up masterly analysis, everyone’s favourite web3 wizards - 11:FS Global Strategy Director, Crypto Mauricio Magaldi and Visa Head of Crypto Cuy Sheffield - like to dabble in a spot of divination? I know, right?!

3min read
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Funding

Financing for app and game developers isn’t fit for purpose

As I sit here trying to write something strictly about fintech, there’s only one thing on my mind: how important it is to have an employer that truly values pregnant employees.

3min read
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FFG

How is fintech helping with customer stress?

Tottenham Hotspur are completely cashless (and trophyless) at their new stadium. Lionel Messi has launched the ‘Messiverse’ in partnership with blockchain platform Ethernity. Manchester City and Laybuy have teamed up to offer a Buy Now Pay Later (BNPL) service to fans. And that’s just the tip of the iceberg.

4min read
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Sustainability

It's time for community investing to go mainstream

Despite the global economic climate, a lot of banks and fintechs have dipped their toes into the crypto waters in recent months.

3min read
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Banking

Banks: it's time to break free of your legacy tech

You don’t have to spend much time in retail banking before you come across legacy systems - a catch-all term often used to explain why banks are so slow and unresponsive.

4min read
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FCA

Changing the perception of insurance

I recently heard someone suggest that ‘insurance is just like gambling.’ Bit of a stretch, but I could see their point. Both are fundamentally risk-based, and it raised an interesting question - do you ever really ‘win’ in insurance?

5min read
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UAE

Financial exclusion and the gender gap in the Middle East

Tucked away in a small corner of the WeWork offices in Aldgate Tower, I sat down with Ross Gallagher. Financial inclusion is the touchstone on financial products for Ross. Regular host of the Fintech Insider podcast with a history in financial services consulting and research. Ross is known around the office as a tupperware fiend and always up for a laugh but as with many people who work for 11:FS he has a real passion for finance and financial inclusion in particular.

4min read
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Intelligent Services

Stop mistaking clever features for intelligent services

When launching a new product or improving an existing one, it's tempting for product teams to look at competitors as a starting point. But if the goal is to launch a proposition that truly solves your customers' problems, do you even need to look at your competitors in the first place?

4min read
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ESG

Can circular economies do what ESG couldn’t?

This is the second article in a three-part series on how fintech for good (FFG) is helping people and the planet. The first touched on consumer behaviour. If you missed it, check it out here.

4min read
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Fintech Insider

1077. Insights: What does it take to build the bank of the future? With Engine by Starling

In this episode, we're exploring what it takes to build modern banking technology from the ground up. Host Ross Gallagher - Head of Consulting at 11:FS - joined by Sam Everington, CEO of Engine by Starling, and Jody Bhagat, President of North America at Engine by Starling.

40min listen
1073
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Fintech Insider

1073. Insights: From stablecoins to AI agents - how Stripe is changing the internet economy

In this special episode of Fintech Insider Insights, recorded live at Stripe Tour London, we're joined by two Stripe leaders to explore how the internet economy is evolving - and the infrastructure powering its next chapter.

33min listen
1071
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Fintech Insider

1071. Insights: Fintech's coming home - The growing relationship between fintech and football

What do Arsenal, Manchester United, Nottingham Forest and the Home Nations football teams have in common? They're all partnering with fintech brands.

47min listen
1067
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Fintech Insider

1067. Insights: Can regulation become fintech’s biggest enabler?

Is regulation really the thing slowing innovation down — or is the bigger challenge how firms respond to it?

53min listen
1065
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Fintech Insider

1065: Insights: Is agentic AI the future of investing?

As AI moves from supporting investment decisions to making them, what happens to trust, accountability, and control?

51min listen
1063
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Fintech Insider

1063. Insights: Can traditional banking survive the AI era?

In this episode of Fintech Insider Insights, in partnership with Backbase, David Brear is joined by Jouk Pleiter, CEO & Founder of Backbase, to explore why banking may be approaching a breaking point in its architecture.

51min listen
1061
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Fintech Insider

1061. Insights: The advice gap: Are banks helping customers or protecting themselves?

Advice is regulated and personalised. Guidance is broader and safer - but that line is starting to blur.

46min listen
1047
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Fintech Insider

1047. Insights: Can you launch a start-up in 2026? Live from J.P. Morgan Payments

Recorded live from J.P. Morgan’s e-commerce and fintech forum, 11:FS CEO David M. Brear is joined by an all-star panel to tackle a deceptively simple question: can you still launch a startup in 2026?

53min listen
1045
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Fintech Insider

1045. Insights: Has the banking battlefield evolved - and is Revolut built for it?

For years, banking has been framed as a battlefield: incumbents defending their turf while fintech challengers attack with better tech and customer experience. But in 2026, that picture may have changed.

50min listen
1043
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Fintech Insider

1043. Insights: Inside HSBC Innovation Banking UK’s future with CEO Emily Turner

In this episode of Fintech Insider, David M. Brear sits down with Emily Turner, the newly appointed CEO of HSBC Innovation Banking UK, for a conversation about leadership, innovation, and the future of fintech in the UK.

43min listen
1037
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Fintech Insider

1037. Insights: Shaping safe AI innovation - Live from the FCA’s Supercharged Sandbox Showcase

In this special live edition of Fintech Insider Insights, recorded at the FCA’s Supercharged Sandbox Showcase, David M. Brear is joined by leaders from the regulator, industry and the technology ecosystem to unpack the UK’s first AI-focused regulatory sandbox.

53min listen
1033
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Fintech Insider

1033: Insights: How modern finance teams can win the next 10 years

On this week’s episode, in partnership with Pleo, host Benjamin Ensor is joined by Jeppe Rindom, Co-Founder and CEO of Pleo; Søren Westh Lonning, CFO at Pleo; and Megan Cooper, CEO of Caywood, to explore how the role of finance has evolved over the past decade - and what it will take for finance teams to win the next 10 years.

49min listen
1031
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Fintech Insider

1031: Insights: How OpenAI is changing the future of financial services

On this week’s episode, host David Barton-Grimley is joined by Matt Weaver, Head of Solutions for EMEA at OpenAI, to explore the impact OpenAI is having on the financial services industry - and the meaningful collaborations taking place between the sector and the AI innovation giant.

48min listen
1029
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Fintech Insider

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

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?

50min listen
1020
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Fintech Insider

1020: Insights: How ready are you for stablecoin regulation?

With the US GENIUS Act reshaping digital-asset oversight, the EU’s MiCA rules setting a unified standard, and the UK opening the door for stablecoins as an official form of payment, one thing is clear: stablecoins are going mainstream, fast.

45min listen
Video
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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
Podcast
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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
Podcast
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fintech Insider

Insights: The future of Revolut with UKCEO Francesca Carlesi

1h2 listen