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.
Bonus: Disrupting the corporate and consumer divide, with Pagaya's Ashok Vaswani
L.F.G. Mauricio and Catherine bring you a fantastic conversation looking at what it means to be a digital creator today and the global community it creates, with two amazing digital creators taking part in the global Visa Creator Program. All this and much more on today's Blockchain Insider!
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681. Insights: How do changes in government affect innovation in financial services?
Benjamin Ensor is joined by some great guests, from Innovative Finance, Chamber of Progress, and Spiralem, to discuss how governments across the world impact the success of fintech.
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174. News: Is Reddit part of the key to making crypto mainstream?
EL. EF. GEE. Today we bring you: UK Minister proposes measures to regulate crypto ads and ban unauthorised providers, Reddit now has more NFT wallets than the OpenSea Marketplace, and Blockchain.com Visa Card, powered by Marqeta, debuts with 50,000 sign-ups at launch. All this and much more on today's Blockchain Insider!
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671. Insights: What does the perfect pension offering look like?
Ross Gallagher is joined by some great guests, from Pensionbee, Wealthify and Common Wealth, to discuss what makes the perfect pension offering.
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669. Insights: Can TikTok teach us all we need to know about finance?
Nicole Perry is joined by some great guests, from This Week in Fintech, Plum, and The London Institute of Banking and Finance, to discuss the impact of Tiktok on the financial education and financial services.
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667. Insights: Designing financial services for the mega-rich
David M. Brear is joined by some great guests, from 11:FS and Nucoro, to discuss designing financial services for high-net-worth individuals.
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126. Insights: Climate Insurance - are insurers doing enough?
Nigel Walsh and John Bean are joined by a panel of guests from Demex and McKenzie Intelligence Services to talk about climate insurance and the work that needs to get done in this space. All this and much, much more on today's Insurtech Insider!
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666. News: After Dark: Credit card companies look to tackle gun control
David M. Brear and Jason Bates are joined live in London, by a panel Fintech Insider All-Stars, to talk about the most interesting stories in financial services over the last 7 days, including: lease-to-own fintech Kafene raises Series B, a new credit card code to prevent gun violence in the US, and the big red button of news!
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665. Insights: Should everyone get paid when they need it?
Benjamin Ensor is joined by some great guests, from Zayzoon and PayMeNow, to discuss the earned wage access industry.
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661. Insights: Can embedded finance bank the unbanked?
Ross Gallagher is joined by some great guests, from 11:FS, Spiralem, and The Aspen Insitute, to discuss how embedded finance could be the trojan horse of financial inclusion.
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659. Insights: Are SMEs really being served?
Ross Gallagher is joined by some great guests, from Allica Bank and Novo, to discuss whether the initial promise of financial services for SMEs has truly been delivered.
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657. Insights: Can fintech help solve the refugee crisis?
Benjamin Ensor is joined by some great guests, from 11:FS, Bunq, Techfugees, and Leaf Global Fintech to ask: 'How can fintech help solve the refugee crisis?'
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124. Insights: Building for trust and transparency in insurance
Nigel Walsh and John Bean are joined by a panel of guests from 11:FS and Maptycs to talk through the process of building trust and transparency in insurance. All this and much, much more on today's Insurtech Insider!
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653. Insights: Making financial services accessible for people with disabilities
Ross Gallagher is joined by some great guests, from 11:FS, Sibstar, and Purple, to talk about you design financial services for people with disabilities.
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649. Insights: Is the future of investment active or passive?
Gwera Kiwana is joined by some great guests, from Plum, Lightyear and Freetrade, to debate what the future of retail investment might look like.
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
