Content Hub
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Customer research, user testing and feedback loops for FS products.
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.
The rise of subscription banking and why it needs to fit into customers' lives
As our financial lives become more complex, there is a growing expectation for banks to offer more support, be more relevant, and generate greater everyday value. One of the clearest places this shift is starting to show up is in subscription banking.
Banks must become active partners in financial wellbeing
Around the world, people have instant, around-the-clock access to banking apps and their own financial data. So why do so many people still feel uncertain about their financial future?
The fight to win the salary battle
As the industry adjusts to a new digital landscape, players across the spectrum are fighting to muscle their way into the financial epicentre and ‘win’ the salary battle to become the payday home of their customers.
Gamification in fintech: Financial literacy or just engagement?
Saving money and paying bills might not sound exciting - but today’s finance apps are borrowing tricks from video games to change that.
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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.
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457. News: Can JPMorgan disrupt the UK challenger bank market?
Sarah Kocianski and Jason Bates are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Railsbank in talks to buy Wirecard UK, JPMorgan to [possibly] launch a UK digital challenger bank by 2021 and the UK's 800% surge of open banking payments during lockdown. All this and much more on today's show.
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456. Insights: Truly Digital After Dark
This week we bring you our first-ever, Truly Digital After Dark! In the sound of the times, we have not only turned our fantastic After Dark show Truly Digital, but we also bring you insights as to how digital is currently shaping the financial industries!
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73. News: Lemonade post a positive Q2 as Zurich struggles with the pandemic
Sarah Kocianski and Nigel Walsh are joined by a panel of guests to talk through the latest news in the insurance and insurtech space!
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455. News: Funding, funding and more funding - Robinhood, Form3, Habito & BCR Pool E
Simon Taylor and David Brear are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: fintech funding as Robinhood’s valuation grows… again! In the UK Form3 and Habito get funding and BCR Pool E is awarded, and Citi accidentally Paid $900M Paid In Error to Revlon and now they want it back. All this and much more on today's show
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452. Insights: Banking as a Service - the tech behind fintech
Simon Taylor is joined by some great guests from two of the biggest banking as a service providers from both sides of the Atlantic, GPS and Galileo, to lift the lid on this industry niche that's blowing up right now
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...
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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
