How are banks and fintechs planning for a digital future.

Article
-
No items found.

The top Middle Eastern fintechs to watch in 2021

As 2019 winds down, we’re doing something a little different for this year and reviewing our best and most popular podcast episodes.

5min read
Article
-
Unfiltered

Why the FS industry needs to grow green fingers, ASAP

Like everyone else locked down here in the UK, I’ve been working my way through Netflix at an unrelenting pace... This is taken from our Unfiltered newsletter. Subscribe now for a no BS, uncensored analysis of fintech news and hot topics delivered to your inbox each fortnight.

7min read
Article
-
Product

Product teams: the secret to fintechs’ success?

It’s not often that we see regulation pre-empting innovation – rarer still to see it drive innovation forward.

4min read
Article
-
Banking as a Service

7 takeaways from the final episode of Decoding: Banking as a Service

The final episode of our brand-new video series, Decoding: Banking as a Service, is here! If you missed it (or any of the others) catch up here. Here’s a rundown of this episode if you prefer reading to watching 📖

5min read
Article
-
No items found.

How BaaS has fuelled neobanking in the US

In the last few weeks Wells Fargo’s Control Tower, a set of tools designed to give customers better oversight over their financial lives, has been made available to all digital customers.

5min read
Article
-
Banking as a Service

6 takeaways from the latest episode of Decoding: Banking as a Service

The fifth episode of our brand-new video series, Decoding: Banking as a Service, is here! If you missed it (or any of the others) catch up here. Here’s a rundown of this episode if you prefer reading to watching 📖

3min read
Article
-
No items found.

Who can BaaS provide the most value to right now?

Guest author Roy Ng, CEO and Co-Founder of Bond, shares his thoughts on how Banking as a Service (BaaS) has the potential to benefit pretty much everyone, but a few select groups in particular.

5min read
Article
-
Banking as a Service

The next big BaaS battleground? Customer experience

Hopefully, by now you’ve had a chance to digest some, if not all, of our inclusive design series.

10min read
Article
-
Buy Now Pay Later

Buy Now Pay Later: Love it or hate it, you can’t ignore it

Buy Now Pay Later (BNPL) is one of the hottest trends in fintech. The concept of 0% finance has been around for decades, but it’s caught fire in the last 3 years with new market entrants like Affirm, Afterpay and Klarna transforming how this works for consumers in an e-commerce setting. This is taken from our Unfiltered newsletter. Subscribe now for a no BS, uncensored analysis of fintech news and hot topics delivered to your inbox each fortnight.

5min read
Article
-
BaaS

What is embedded finance?

While FinTech folk salivate – and the big banks bloviate – about PSD2 and the open banking reforms coming our way in 2018, we wondered whether those outside of this bubble will actually notice? What does PSD2 actually mean for customers?

5min read
Article
-
Lending

The future of banking: all paths lead to lending

A Black-owned bank is defined as one in which at least 50% of voting shares are owned by African-Americans. They’re a dwindling force in the States today.

5min read
Article
-
BaaS

7 reasons Banking as a Service is a game changer

We now live in a world where almost anyone can build and launch innovative, regulated financial products as easily as they can create a Shopify page - that’s the magic of Banking as a Service (BaaS).

5min read
Article
-
Goldman Sachs

Goldman Sachs is leaning into embedded finance: other banks should take note

As 11:FS wraps up its 5th year in business, we can’t help but think about what the next 5 will look like. And our ambitions are big. It’s only just on the right side of scary.

5min read
Article
-
SMBs

Jobs to be Done: Helping US SMBs make smart and proactive decisions based on their finances

This is the second instalment of a 6 part series that explores the Jobs to be Done (JTBD) for US SMBs that we identified in our recent research. Each blog post explores one of the jobs and how we examined it with a JTBD canvas. If you missed the first post that explains JTBD and the canvas, check it out before reading this.

5min read
1077
podcast
-
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
podcast
-
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
podcast
-
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
podcast
-
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
podcast
-
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
podcast
-
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
podcast
-
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
podcast
-
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
podcast
-
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
podcast
-
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
podcast
-
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
podcast
-
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
podcast
-
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
podcast
-
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
podcast
-
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
-
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
Video
-
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
Video
-
Decoding

How does banking regulation work? - Decoding: Banks

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

12min watch
Video
-
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
Video
-
Decoding

How do card networks operate? - Decoding: Banks

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

13min watch
Video
-
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
Video
-
No items found.

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
Video
-
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.

Video
-
No items found.

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?

Video
-
No items found.

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.

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

Insights: The future of Revolut with UKCEO Francesca Carlesi

1h2 listen