The engineering principles used across financial services.

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Banking

Innovation terror: 3 things big banks can do to stop stagnation of innovation

Money 20/20 Europe 2019 is almost upon us and this year I’m looking forward to hearing from some of the sharpest minds in the industry, and also having a good argument ;).

3min read
Article
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Unfiltered

The metaverse will power a new era of industrial efficiency

Digital-only banks have been all the rage for some time now. Who hasn't heard of Monzo and Starling or, if your gaze is stateside, Chime? 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.

4min read
Article
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UBS

Banks, mergers, and missed opportunities

In the wake of UBS’ takeover of Credit Suisse, we’ve been thinking a lot about the impact that mergers and acquisitions (M&A) have on technology and architecture.

4min read
Article
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Unfiltered

Chase UK could massacre the competition this year

With the new year picking up a head of steam, it’s time to turn our attention to the trends and themes set to shape financial services in 2023. Here at 11:FS, we’re more convinced than ever that UK banks are running out of time to address their core banking issues.

3min read
Article
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Blockchain Insider

What are our crypto predictions for 2023?

Happy 2023, fintech fans!

3min read
Article
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Unfiltered

The future is now: how AI will completely disrupt the customer experience

The AI revolution is reshaping financial services with the force of a category-five hurricane. The seismic shifts it’s creating are palpable, with generative AI standing at the forefront of this transformation.

3min read
Article
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Technology

Why is it so hard for FS companies to get tech right?

Getting tech right in banks is hard. We get this because our experts have worked in some of the biggest financial services institutions and experienced how things can be done differently. In this article, we’ll share some of the insights that we’ve learnt along the way.

4min read
Article
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Crypto

It’s time for incumbents to invest in web3

One of the phrases you often encounter when reading things about mental health is "It's OK to not be OK." Whilst I get the sentiment, as someone who has been there, it really isn't OK. It sucks.

4min read
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Unfiltered

The next generation of financial services has to be truly inclusive

We all employ a user-centred design (UCD) approach to inform what products we build and how they should work, but all that customer insight gives us one oft-overlooked learning: the actual language customers use to speak about their problems.

3min read
Article
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Banking

Banks: it's time to break free of your legacy tech

You don’t have to spend much time in retail banking before you come across legacy systems - a catch-all term often used to explain why banks are so slow and unresponsive.

4min read
Article
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Unfiltered

ESG investing is broken. This is how fintechs can help fix it.

When I see headlines about “hipster” banks and “trendy” cards, it strikes me that the narrative is missing a huge shift about the consumer. Ethical is the new luxury. Private is the new showy. Transparent is the new trusted.

4min read
Article
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Unfiltered

Why are banks so scared of changing their tech?

Banks are having a midlife crisis. Their tech is at that stage where it’s old enough to gather regrets. Lots of them. 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.

3min read
Article
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Design

Designers are not the centre of the universe

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.

4min read
Article
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UX

The 5 biggest UX challenges for fintechs in 2022

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.

4min read
Article
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Tech debt

Defining your tech debt is the first step to escaping it

In this special guest blog, Deniz Güven, CEO and Executive Director, Virtual Bank by Standard Chartered, discusses innovation in Hong Kong and the development of a Brave New Bank.

3min read
198
podcast
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Blockchain Insider

198. Insights: How to fix UX in crypto

L.F.G. Today we bring you a look at UX in crypto: what's wrong with it, where the biggest challenges are, and what can be done to fix it, without compromising the control over your own assets that crypto allows for, joined by fantastic guests from Webacy and Bastion. All this and much more on today's Blockchain Insider!

42min listen
742
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Fintech Insider

742. Insights: How NOT to build a bank - Part I

Ross Gallagher is joined an all-star panel of Elevens for the first part of a two episode deep-dive into the battle scars picked up when building banks across the globe.

48min listen
719
podcast
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Fintech Insider

719. Insights: Is FinOps the key to ride out the economic storm?

David M. Brear is joined by some great guests, from 11:FS, Google, and Weavr, to discuss how cloud services and FinOps as a practice can help financial services in these economically difficult times.

49min listen
696
podcast
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Fintech Insider

696. Focus: Can Open Finance ever be truly global?

David M. Brear is joined by Visa's Dan Roesbery - as well as guests from Wise and MX - for the inaugural episode of Fintech Insider Focus!

39min listen
663
podcast
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Fintech Insider

663. Insights: How have tech accelerators shaped fintech?

Benjamin Ensor is joined by some great guests, from Tech Nation, F10 and OakNorth, to explore the impact of tech accelerators on the fintech space.

47min listen
podcast
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Fintech Insider

Bonus. Eco's Andy Bromberg on copying in fintech

In this exciting bonus episode, David M. Brear is joined by Andy Bromberg, CEO of Eco, to talk about the fine line between copying, imitation, and competitor research. All this and much much more on today's bonus show!

24min listen
551
podcast
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Fintech Insider

551. Insights: Can you teach a banker to code?

Adam Davis and Nick Funnell are joined by some great guests from Fronted, Plum and Curve to take a deep dive into all things engineering: what is the face of an engineer and how has it changed over the years? How do they communicate complex information to the C-suite, and what advice can we give to senior managers? Tune in to find out more!

51min listen
513
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Fintech Insider

513. Insights: Banking Architecture - How should banks structure their technology?

Simon Taylor are joined by some great guests from Google, Fronted and Synctera to talk about how banks structure their technology and why this can make transformation so difficult.

54min listen
467
podcast
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Fintech Insider

467. News: Open Banking is working - but what comes next?

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: Open Banking doubles its user base in 2020, Amazon's new payment method in the palm of your hand, and can Ping An rescue HSBC?

1h06 listen
465
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Fintech Insider

465. News: FinCEN Files leak and NatWest carbon footprint tracker

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: The FinCEN file leak, Tink continues path to European domination, and NationWide claps back again racism.

1h08 listen
462
podcast
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Fintech Insider

462. Insights: How can public cloud drive business transformation?

David Brear is joined by some fantastic experts from IBM to discuss the opportunities that public cloud offer for business transformation in financial services.

43min listen
461
podcast
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Fintech Insider

461. News: Banks tackle deepfraud and RTGS collaborates with Microsoft

Sam Maule and Sarah Kocianski are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: RTGS Global rolls out stage 1 of liquidity visibility network in collab with Microsoft, banks work with fintechs to counter ‘deepfake’ fraud, and Paypal terminates accounts linked to a Russian influence operation.

1h11 listen
460
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Fintech Insider

460. Insights: Is crypto becoming mainstream?

Simon Tayor is joined by some special guests to talk about the growth cryptocurrencies in mainstream finance.

49min listen
74
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Insurtech Insider

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.

50min listen
459
podcast
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Fintech Insider

459. News: Paypal take on Klarna and Afterpay; Vipps and Visa team up & Chip’s new raise

David Brear and Mel Stringer are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: More raises as Chip launches Series A, Paypal is coming for Klarna and AfterPay, and Goldman Sachs launches its own font: Goldman Sans.

1h08 listen
Video
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Decoding

How has software evolution influenced banking? - Decoding: Banks

The invention of the computer revolutionised banking in the 1950s.

11min watch
Video
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It's not the technology - Why banking is broken ft. Ewan Silver

When people discuss 'banking being broken', they often refer to the technology itself. However, that isn't necessarily the case.

21min watch
Video
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Microservices

Microservices architecture - Asynchronous systems ft. Vaughan Sharman

Minimum Lovable Brand | 11:FS Explores

10min watch
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
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Podcast
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fintech Insider

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...

1h2 listen
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
960
Podcast
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fintech Insider

Insights: The future of Revolut with UKCEO Francesca Carlesi

1h2 listen
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
960
Podcast
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fintech Insider

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...

1h2 listen
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
960
Podcast
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fintech Insider

Insights: The future of Revolut with UKCEO Francesca Carlesi

1h2 listen
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
960
Podcast
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fintech Insider

Insights: The future of Revolut with UKCEO Francesca Carlesi

1h2 listen