The engineering principles used across financial services.

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 ;).

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.

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.

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.

Happy 2023, fintech fans!

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.