Content Hub
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Customer research, user testing and feedback loops for FS products.
Does your bank even care that you’re rich?
I’ve been thinking about HENRYs recently. Not the Henry who asked me to marry him - I was 8, he was 5 - although he does cross my mind occasionally. HENRYs, short for ‘High Earners Not Rich Yet’, was coined as a label by Shawn Tully in 2003.
US Bank tops our first US mobile banking ranking
US Bank has taken the top spot in the first 11:FS Pulse ranking of US mobile banking apps, scoring 94 out of 100.
The Fitbit for your finances: Can banking apps actually improve our financial wellbeing?
Banks are borrowing from the digital wellness playbook: health checks diagnose, personalised insights track, automated tools build habits, and AI assistants are beginning to coach.
Is the UK finally catching up to America’s credit culture?
Over the last 18 months, UK credit card borrowing has accelerated, outstanding balances have surpassed pre-pandemic highs, and some of the UK’s largest fintechs are making increasingly aggressive moves into lending.
The real differentiator in financial AI won't be intelligence. It will be trust.
If you listened to the headlines, you'd think the competitive race in financial services is about one thing: building the smartest AI. We think that's the wrong way to look at it.
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Junior accounts are growing up
Barclays is acquiring the UK arm of GoHenry, a money app for 6 to 18-year olds. With a reported price tag of £180 million for around 500,000 active accounts, £360 per head is a chunky investment.
We've been talking about homebuying forever, so why is it still broken?
Financial services should be designing products and services that help buyers understand all of the costs involved in their end-to-end financial journey before committing.
Positive friction: Why a little resistance helps
For the past decade, the banking industry has been focused on developing frictionless interfaces. Financial institutions have prioritised seamless transactions, instant gratification, and engaging gamified features in a bid to build the ultimate digital financial experience.
Targeted support is coming. But customer decision-making has already moved on.
The need for better, tailored support through the customer experience is clear, but few are accounting for the fundamental shift that financial services has experienced with the introduction of AI.
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In Saudi fintech, every transaction can be a path to financial growth
As the Saudi fintech market matures, a new challenge is emerging. Most fintech interactions, whether payments, BNPL, or other services, remain fundamentally transactional.
The end of ‘Apply Now’: Credit becomes invisible and immediate
When a customer reaches checkout today, they may get a choice to pay now, split the cost, or move it into credit. That is a very different starting point from the old model of applying for credit in advance.
Financial services must move beyond inertia to cultivate long-term loyalty
Loyalty is defined as “a strong feeling of support or allegiance”. However, in the context of financial services, it is more accurately defined as engineered persistence: a series of subconscious cues that steer customers toward familiar choices.
Designing for the human behind the business
The people using business banking tools don’t necessarily have financial backgrounds. Many smaller businesses can't afford a dedicated finance team. Yet banks keep building products that assume expertise their customers don't have, leaving them to figure things out on their own.
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647. Insights: How is rising inflation impacting financial services?
Kate Moody is joined by some great guests, from Chetwood Financial, Innovate Finance, and Minna Technologies, to ask how will inflation impact financial services going forward.
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646. News: Klarna completes down round and Flutterwave accounts frozen in Kenya
David M. Brear and Kate Moody are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: Klarna’s valuation slashed in latest funding round, Flutterwave has accounts frozen in Kenya, and Playboy teases pixelated mansion in the metaverse.
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121. Insights: Insurance education - is learning through TikTok enough?
Nigel Walsh and Benjamin Ensor are joined by a fantastic guests from Victress Communications to talk through all things insurance education. All this and much, much more on today's Insurtech Insider!
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643. Insights: How do you put together the perfect mortgage offering?
David M. Brear is joined by some great guests, from Bunq, Maxwell and Molo Finance, to help put together the perfect mortgage offering taking aspects from across the world.
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641. Insights: What does 'financial inclusion' actually mean?
Gwera Kiwana is joined by some great guests, from Spiralem, Observer Research Foundation and Jipay, to discuss the merits and challenges of financial inclusion.
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120. Insights: How can we build a transformative and inclusive future for insurance?
Nigel Walsh and John Bean are joined by a panel of guests from Innovate Finance and FinPro to talk through culture in insurance. All this and much, much more on today's Insurtech Insider!
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639. How do we make financial services more LGBTQ-inclusive?
Benjamin Ensor is joined by some great guests, from 11:FS, Queer Money Podcast, Emerald Life, and Euphoria, to discuss the issues faced by the LGBTQ community when it comes to financial services.
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633. Insights: Will embedded finance make or break the fintech industry?
Gwera Kiwana is joined by some great guests, from NovoPayment, Treasury Prime and Anthemis, to find out who are the winners and losers of the embedded finance revolution.
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632. News: Klarna announces big layoffs while Chase bags UK customers
Benjamin Ensor and Sim Rai are joined by some great guests, from Tranch and Anthemis, to talk about the most interesting stories in financial services over the last 7 days, including: Klarna lays off 10% of its workforce via video message, Chase marks 500,000 UK customers, and our panel answers your questions!
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476. Insights: The racial wealth gap: addressing economic inequality in the US
Sam Maule is joined by a panel of fantastic guests to discuss economic inequality and the racial wealth gap in the US.
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471. News: Klarna face backlash & Killer Mike launches a bank to support black businesses
Sam Maule and Kate Moody are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Killer Mike launches a new digital bank, Klarna faces backlash after sending marketing emails to non-customers, and Square invests $50m in bitcoin!
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468. Insights: COVID-19 - Mental health and financial wellbeing
For World Mental Health Day, David Brear is joined by some great guests to discuss money and mental health during the coronavirus pandemic.
Bonus: Interview: Louise Smith, Chief Digital Officer at Lloyd's of London
David Brear is joined by Lotanna Ezeike, Co-Founder and CEO at XPO, in this bonus episode to bust some myths about social media influencers, and challenge David's opinions from a few episodes back. Tune in to find out more!
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74. Digital transformation - Managing the hybrid
Sarah Kocianski and Nigel Walsh are joined by some amazing guests to talk through digital transformation in the insurance industry.
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458. Insights: BaaS in the US - user experience is the basis of competition
Simon Taylor is joined by some great guests to talk about the growth and impact of banking as a service on financial services in the US. This week we're joined by Railsbank, Marqueta and Synapse.
Using Jobs to be Done to revolutionise SME Banking | 11:FS Explores
It's not just a buzzword.
11:FS Explores: Digital R.I.C.H.E.S ft. David M. Brear
11:FS CEO David M. Brear takes to the lightboard to give us the full run-down, with examples of companies that are leading the way.
Designing fintech propositions for a Middle Eastern market | 11:FS Explores
There’s no one-size-fits-all design proposition for the Middle-East. While emergent markets such as Oman, the UAE, Saudi Arabia, Kuwait and Bahrain are all seeking to diversify their economies...
How the Buy Now, Pay Later landscape is shifting with Amy Gavin | 11:FS Explores
Just what is going on with Buy Now, Pay Later right now?
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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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...
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Insights: The future of Revolut with UKCEO Francesca Carlesi
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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...
960
Insights: The future of Revolut with UKCEO Francesca Carlesi
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Insights: The future of Revolut with UKCEO Francesca Carlesi
