If you’re building a fintech or adding financial services to an existing platform, there’s no doubt that the concept of embedded finance with white-label solutions has passed you by.
Price walking [common in the insurance industry] a form of price discrimination whereby existing customers, especially long-standing customers, incur a loyalty penalty over new customers. 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.
James Safford is a name you might not be familiar with from the 11:FS team. He’s starred in a couple of our shows with brilliant insights on what’s going on in the fintech space. James is a Market Research Analyst working on the 11:FS Pulse platform delivering insights into customer journeys globally. I took a moment to sit down with James and talk to him about how things differ working in fintech compared to publishing, and why he moved into the space after deciding against a lifelong dream.
This past weekend an estimated 177m people tuned in as Matthew Stafford’s (strong surname BTW) LA Rams defeated the Cincinnati Bengals at Super Bowl LVII.
The 11:FS research team recently finalised the first part of a major piece of work examining the services available to US Small to Medium-sized businesses. Here’s some of what we discovered.
Providing the best service to have the largest market share. That’s what banks want to be and want to have. And for a very long time they did.
We’ll say it till we’re blue in the face - FS companies need to do more to improve their users’ financial literacy. And that goes for kids too.
The killer digital wallet will not come from a fintech company - it will come from a social media platform. 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.
2022 is well underway and if you’re still wishing people a Happy New Year, it’s time to stop living in the past.
I had the pleasure of interviewing Rob Frohwein, the CEO and co-founder of Kabbage, for the 11:FS Connection Interrupted podcast. Rob has plenty of stories to fall back on when discussing how his co-founders and he were able to start a company in the midst of the 2008 financial crash (great timing by the way Rob). They were able to successfully implement their concept of providing funding to small businesses and consumers online. As of the beginning of 2018 Kabbage has served 125k customers and made over $3.5 billion in loans.
The UK is in the grip of a mental health crisis. Twin pillars of Covid and a cost-of-living crisis have pushed our collective anxiety to dizzying levels. 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.
COP26 is over. But the climate emergency is still with us. The headlines might say otherwise but I got the feeling that very little progress was made on climate change. 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.
There’s so much to look forward to in 2022. It’s the Year of the Tiger. There’s a World Cup in November. And, of course, the sands of insurtech will keep shifting.
Despite being hailed as transparent and secure, the cryptocurrency industry has been beset by fraud, scams and general crisis in recent months.
Financial literacy, it’s a silent pandemic. Gen Zs need all the help they can get. 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.

Sam Maule is joined by some great guests to talk about credit scoring for US immigrants. What are the problems US immigrants might face when trying to build up a credit score once they've arrived in North America?

Sam Maule is joined by some great guests to talk about PPP lending during the COVID-19 pandemic. On today's show we are taking a look at the process from the lenders perspective!

Sam Maule is joined by some great guests to discuss the state of the underbanked in the US and how COVID-19 is affecting this group of underserved people.

Sarah Kocianski and Ross Gallagher are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Vivid Money launches digital banking services in Germany; the pandemic savings surge forces Goldman to shut Marcus to new UK clients; and Islamic finance startup Wahed closes $25M funding round to grow their Saudi Arabia hub.

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.

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.

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.

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!

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.

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.

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.

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.

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.

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!

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.
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.

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...
Just what is going on with Buy Now, Pay Later right now?

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

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


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

