TL;DR – It’s a textbook bubble, consult your financial advisor, only invest what you’re willing to lose, and no, I don’t know when the bubble will pop, nobody does – heck, it might have already happened.
We’re known for a lot of things at 11:FS. We give talks across conferences, we have 11:FS Pulse, the best end-to-end user experience platform there is, and we have a phenomenal series of podcasts. We also have a lot of secret projects, but more on that another time.Now we’re adding something new to our content. Tomorrow sees the launch of our new Fintech Insider podcast format. It’s just in time for the deadline on GDPR. Something that many businesses are having difficulty adapting to.
The second 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 📖
Banking in Canada is expensive. Incumbent banks apply charges on just about everything, from transaction fees for sending money to monthly charges for just having an account open.
As July continues apace, brands all over the world are rolling up their rainbow logos and packing them away for another year.
Guest author Nahim Bassa shares his thoughts on the future of Islamic banking.
Behind every great feature is a problem that needs to be solved. Lloyds Banking Group’s Benefit Calculator tackled one head-on — and is already making waves in how support reaches those who need it most.
This is the final article in a three-part series on how fintech for good (FFG) is helping people and the planet. The first touched on consumer behaviour. The second is about why ESG was destined to fail and how circular economies pose a possible solution.
Customer-facing global remittance companies encounter a lot of threats. To compete and remain relevant, they will need to build sustainable moats. 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.
I know what you’re thinking, but no - microinsurance is not insurance for really really small people. Trust me, I’m as disappointed as you are.
The insurance industry is a tricky beast. With the sector picking up pace in the race to become truly digital, businesses face the challenge of maintaining trust while overhauling how their service is delivered.
The financial services industry has faced an enormous amount of disruption in recent years. We’ve seen significant changes everywhere from payments to current accounts and investments accounts to modern credit products.
Designers can all too easily think design is at the centre of the universe. Perhaps sometimes it can be a self-indulgent activity where it's no longer design for people, but for other designers. Maybe it’s good to have a reality check. 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.
Africa is the second biggest continent in the world with a population of 1.3 billion. It makes up 20% of the Earth’s total land surface. It comprises 54 countries and its people speak between 1500-2000 languages. Not each, obviously.
Buy Now Pay Later (BNPL) has been taking the world by storm.

Happy New Year Fin-techers! To celebrate, hosts David M. Brear, Ross Gallagher and Kate Moody make some bold fintech predictions for 2024, and look back on how right (or wrong) they were last year!

We look back to a conversation David Brear had with a panel of expert guests to discuss the future of fintech in Australia.

David M. Brear is joined by financial services veteran, Ashok Vaswani, to discuss how he draws on his experience going forward and why he continues to put learning first.

In this second episode on our deep dive into the creator economy in the US, David Barton-Grimley and is joined by not one, but two fantastic guests, the Co-CEOs of Karat Financial to discuss how financial services can better understand creators and how financial education is the key.

Ross Gallagher is joined by some great guests to talk about how fintech and financial services are meeting the needs of Gens Alpha and Beta, and how they are adapting to the needs of tomorrow's wealth makers.

David M. Brear, CEO at 11:FS, is joined by our very own CTO Ewan Silver for a fireside chat to unpick what we mean when we say the services have fallen out of financial services.

In this classic Focus episode, David M. Brear is joined by some great guests, from Visa and Capway, to really dig into the keys to successful financial inclusion in America.

David Barton-Grimley is joined by some great guests to unpack the six characteristics of digital commercial banking; real-time, standardised, automated, embedded, contextual, and extendable. We’ll explore what they are and how they can (or can’t) support a more efficient, reliable, and secure industry.

11:FS CEO David M. Brear and Visa's Sophie Schulman are joined by some great guests to look at how fintech can support and shape the US creator economy.

David Brear is joined by a panel of experts from Cleo, Feedzai and Starling Bank to look at how financial services need to adapt to the changes brought by AI, where it can have the most influence and where the human touch is still needed.

Kate Moody is joined by some great guests, from 11:FS, ClearEstate, and PensionBee, to look at the financial services aimed at customers over 60.

PayPal launches stablecoin, Apple announces $10 billion in deposits, and Drake launches Shopify mansion – Kate Moody and Ross Gallagher are joined by some great guests, from Fiat Republic and Knot API, to talk about the most interesting stories in financial services over the last 7 days.

David M. Brear is joined by some great guests from Visa, Chipper Cash, and DJAMO, to discuss the evolution and further potential of mobile money in Sub-Saharan Africa.

Benjamin Ensor is joined by some great guests, from 11:FS, Innovate Finance, and TwentyOne to talk about the biggest lessons for financial services in the first half of 2023.

Kate Moody is joined by some great guests, from 11:FS, Nationwide, and Plum, to discuss how banks and fintechs can shape how customers manager their finances.
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...

