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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434. Insights: transforming financial services infrastructure post COVID-19
Sarah Kocianski is joined by some great guests from Equinix, Mastercard and RTGS to discuss the long-term business transformation and the need for agile infrastructure in financial services organisations in response to the COVID-19 crisis.
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432. Insights: How could open finance shape the future of financial services?
Adam Davis and Sarah Kocianski are joined by some great guests to discuss open finance - what it is, how is could work and what learnings it could take from open banking, with an expert panel of guests from Plaid, RBS and the OBIE.
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431. News: Shopify’s stratospheric rise and foray into fintech
Sam Maule and David Brear are joined by some great guests to talk about some of the most interesting US news stories of the last 7 days, including: Shopify’s many new announcements and move into fintech; Bank of America leak exposes business details of PPP relief applicants as applications across the board decline; and Animal Crossing offers new ways for people to make money in lockdown.
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428. Insights: Digital Identity - the evolution of verification, authentication & authorisation
Jason Bates and Simon Taylor are joined by 3 great guests to talk about digital identity. What do we mean by digital identity, and how does it differ around the world? Listen on to find out!
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427. News: Mobile Wallet Wars? SoFi and Samsung Pay team up
Sarah Kocianski and Adam Davis are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: A round up of the pandemic and financial aid stories on both sides of the pond; Sofi and Samsung Pay team up for a debit card; and Mastercard's massive new pledge for financial inclusion.
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426. Insights: How to design digital financials services for US SMBs
Sam Maule is joined by some great guests to talk about US SMBs - not specifically about their fight for funding in the wake of Covid-19 this time - but their options when it comes to banking more broadly, and how to design digital financial services that work for them.
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425. News: RBS close Bó - Why is building a new bank so hard?
Simon Taylor and Sarah Kocianski are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: RBS closes Bó, big banks book $50bn against bad loans in the wake of corona, and a round-up of the more international stories of the week.
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424. Plaid: customer driven innovation, data access and US open banking
Sam Maule is joined by John Pitts, Policy Lead, and Niko Karvounis Product Lead at Plaid to talk all things data, customer driven innovation, their European expansion and much more.
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424. Interviews: Plaid on customer driven innovation, data access and US open banking
Sam Maule is joined by John Pitts, Policy Lead, and Niko Karvounis Product Lead at Plaid to talk all things data, customer driven innovation, their European expansion and much more.
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65. News: Covid-19 - Worse than 9/11 and Katrina for the insurance industry
Sarah Kocianski and Nigel Walsh are joined by a panel of guests to talk through the latest and greatest news in the insurance space which are heavily focussed on Covid-19 and the insurance industry this week!
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423. News: Global bank profits tumble as US deposits grow
Simon Taylor and Adam Davis are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: 100% backed business loans; big banks results are in and corona is hitting their profit margins hard and even Animal Crossing's Bank of Nook is slashing its interest rates in an unwelcome reflection of the real world.
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422. Insights: the impact of coronavirus on US SMB Financing
Sam Maule is joined by some great guests in the US SMB space, to discuss the impact of the coronavirus crisis on US small businesses - at the time in which all the stimulus funding had already been given out.
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420. Insights: How the COVID-19 pandemic will accelerate digital financial services
11:FS's David Brear, Simon Taylor, Sarah Kocianski and Benjamin Ensor come together to talk about the impact of the COVID-19 pandemic on the financial services industry.
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64. Covid-19: Who will come out stronger?
Sarah Kocianski and Nigel Walsh are joined by a panel of guests to talk through Covid-19 and what this might mean for the insurance industry going forward! All this and much much more on today's Insurtech Insider!
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419. News: Fintechs step up to distribute relief funding
Sarah Kocianski and Simon Taylor are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Starling and OakNorth join coronavirus loan programme, US fintechs to help distribute coronavirus aid, and a women-only neobank is coming to Brazil.
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
