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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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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
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450. Insights: The rise of Australian digital banking
Simon Taylor is joined by some great guests to talk about the growth and impact of digital banking in the APAC region, with a special focus on Australia.
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447. News: Can finance ever be fully democratised?
Simon Taylor and Ross Gallagher are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Robinhood abandons its UK launch amid criticism of their platform; Klarna reins in their lockdown lending and Monzo re-launch their Plus product.
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446. Insights: Digital Payments Innovation: Is this the end of cash?
Sarah Kocianski is joined by some great guests to talk about the development of digital payments and the global shift towards cashless payment solutions.
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444. Insights: African fintechs: transforming the continent's financial landscape
Simon Taylor is joined by some great guests to discuss how the financial landscape of Africa is changing and the ways in which fintechs are playing their part.
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70. LGBT+ and insurance - Make no assumptions
Sarah Kocianski and Nigel Walsh are joined by a panel of guests to talk through LGBT+ and insurance. What is the state of diversity and inclusion in the industry and what specific products is there available for the LGBT+ community? All this and much much more on today's Insurtech Insider!
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441. News: Wirecard hits UK fintech but BaaS is still booming
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: the Wirecard scandal continues to unfold and UK fintechs get swept up in its wake, and we speak to some of the companies directly affected, Chime launch a credit card, and Galileo offers everyone the chance to launch a credit card.
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440. Insights: Credit scoring for US immigrants - It's a political issue
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?
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438. Insights: PPP - How digital providers helped rescue SMBs
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!
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436. Insights: COVID-19 and the underbanked in the US
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.
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435. News: Is now a good time to launch a challenger bank?
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.
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
