Learn about the latest innovation happening in financial services.

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Apple

How Apple is leading the charge for brands embedding finance

Cyber attacks are hardly new, so why are banks putting renewed energy into combating them? 11:FS Market Research Analyst Joanne Kumire explains.

5min read
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Pleo

11 European fintechs we’re excited about right now

London’s been at the centre of the fintech bubble for over a decade now, and the rest of Europe isn’t far behind. One of the few silver linings of the coronavirus pandemic could be that it might act as a catalyst for a tonne of investment into fintech, as more and more people recognise the need to go digital. Despite the trend for falling investments in 2020, the UK fintech sector is still looking flush thanks to investments of over $1.84 billion. To give you a heads up on the next big companies on the scene, we’ve rounded up the hottest startups on our watch list 🔥

5min read
Article
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Cloud

Using the cloud to fly sky high above the competition

As we roll into 2018 thoughts inevitably turn to the big themes that we might expect (and hope) to see for user experience in the financial services industry this year.

5min read
Article
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SMBs

Jobs to be Done: How to equip US SMBs with the right tools to track and manage cash flow

This is the third instalment of a 6 part series that explores the Jobs to be Done (JTBD) for US SMBs that we identified in our recent research. Each blog post explores one of the jobs and how we examined it with a JTBD canvas. If you missed the first post that explains JTBD and the canvas, check it out before reading this.

5min read
Article
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SMBs

Jobs to be Done: The gaps in US SMB financial services

David M. Brear interviewed Jonathan Larsen, CIO, Ping An and CEO of their Global Voyager Fund, a $1bn investment fund, specifically for fintech. He tells David all about the fund and the innovations in fintech coming from China and making a huge impact worldwide.

5min read
Article
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User experience

Designing experiences and inspiring the makers. Clouston Mahon

Despite the astronomical price-tag and highly breakable look of early foldable phones, we can confidently predict a future of interesting new design challenges thanks to flexible screens.

5min read
Article
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COVID-19

Lessons from COVID-19: you need a truly digital strategy, now!

In the first part of this series I introduced the story of Frederic Tudor, the American Ice-Block King; and discussed lessons learned from his then new product offering as it relates to blockchain technology. Tudor was able to successfully corner the ice-block shipping market and eventually was shipping blocks of ice to as far away as Calcutta from his home in Boston.

5min read
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COVID-19

Is the COVID-19 crisis creating fintech M&A opportunities?

How can community banks remain competitive as large financial institutions gobble up more and more of the market?

5min read
Article
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COVID-19

Can digital lenders help more SMEs gain access to COVID-19 relief loans?

How successful have government loan schemes in the UK and US been so far and what’s next?

5min read
Article
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Facebook

11 most interesting things about Facebook’s Libra cryptocurrency

What is Facebook coin / Libra? Is this a game-changing moment and what should we do about it?

5min read
Article
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Innovation

11:FS on tour - Money 20/20 Vegas, Day 1 Roundup

Money 20/20 USA has kicked off and the 11:FS team are here on the ground!

5min read
Article
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Innovation

11:FS on tour – Money 20/20 Vegas, Day 2 Roundup

Day 2 has come to an end here at Money 20/20 and, despite last night’s industry party, it was jam packed with action.

5min read
Article
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Design

Anticipatory Design in Financial Services

What is anticipatory design? In 2015, Aaron Shapiro the CEO of Huge coined the phrase ‘Anticipatory Design’ to describe how the next big evolution in design and technology will be the creation of predictive, pro-active multi-channel user experiences. It is the perfect marriage of design, data and technology to simplify complex decisions and in some instances, even eliminate some tasks and decisions from our lives entirely. The word anticipatory comes from the Latin anticipare, which means “taking care of ahead of time”. Think of it as personalisation 2.0 – a system which interprets users’ past behaviours and choices, in order to automatically make informed decisions on the user’s behalf, by utilising machine learning algorithms.

5min read
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Banking

Want to see the best digital banking experiences on the market?

“Thank you to the Academy…” Sure. Classic Oscar speech energy.But do you know what hits harder than a polite golf clap from a panel of judges? Winning when your actual customers vote. And that’s what happened at the 2025 British Bank Awards, where 11:FS was named Consultancy of the Year. Again! 2019. 2020. 2021. 2023. And now 2025.

5min read
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Fintech Insider

800. News: US big banks team up to launch Paze, and Atom Bank raise £100m in equity funding

David Barton-Grimley and Kate Moody are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: A joint venture from the biggest US banks launch digital wallet Paze, Atom Bank raise £100m in equity funding, Railsr are making a comeback, and Deutsche are closing nearly half of their branches.

1h05 listen
199
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Blockchain Insider

199. Insights: Real world assets on-chain: changing the future of ownership

L.F.G. Today we bring you a look at Real World Assets (RWAs) - what they are, discuss some of the use cases of tokenized RWA we’re seeing today, the pros and cons of bringing RWA on-chain, and where this emerging market is headed. All this and much more on today's Blockchain Insider!

44min listen
798
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Fintech Insider

798. News: JP Morgan's former fintech lead launches TodayPay and Airwallex target LATAM

Benjamin Ensor and Kate Moody are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: former J.P. Morgan exec launches Refund-as-a-Service TodayPay, and Airwallex continue expansion into LATAM.

1h04 listen
797
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Fintech Insider

797. Insights: Is being a fast follower a bad thing?

11:FS CEO David M. Brear and Deputy CEO Jason Bates come together to discuss concept of fast following. Is it always a bad thing? How can you get it right, what pitfalls to avoid getting it wrong and what is the impact on the end customer?

42min listen
198
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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
793
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Fintech Insider

793. News: FedNow launch 15sec account verification, and the Metro Bank saga continues

Host Kate Moody is joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: FedNow launch a new account verification service from Orum, Metro Bank strike a rescue deal, and Nationwide unveil a new look.

1h07 listen
197
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Blockchain Insider

197. Insights: Are US regulation bills changing the future of crypto?

L.F.G. Today we bring you a deep dive on the most recent regulation bills and conversations around the legitimisation of crypto at the highest level in the US, and what that might mean for the future of crypto around the world. All this and much more on today's Blockchain Insider!

49min listen
788
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Fintech Insider

788. News: HSBC offer international credit history checks and Mercedes launch in-car payments.

Benjamin Ensor is joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: HSBC partner with Nova Credit to offer international credit history checks, Mercedes-Benz roll out in-car payments, and Standard Life launch a pensions dashboard.

1h05 listen
783
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Fintech Insider

783. News: Adyen’s new banking licence, Perfios’ raise, and the secret to fintech success

Laura Watkins is joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: Adyen get a UK banking licence, Perfios eye UK & US expansion, and a new campaign tackles the gender investment gap.

1h listen
781
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Fintech Insider

781. Focus: Creating end to end access to finance in APAC with Vrutika Mody, Head of GoPay Global Partnerships

In this second episode on our deep dive into embedded finance in APAC, David Barton-Grimley and is joined by a fantastic guest, from GoPay, to talk about how embedded finance is opening up access for the unbanked in Indonesia and beyond.

41min listen
780
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Fintech Insider

780. News: Klarna losses narrow fuelling IPO rumours, and Airwallex and Public join forces

Klarna rebuts misconceptions about their business model as losses narrow, more than one in eight bank branches are expected to close this year, Airwallex and Public team up for a new investment platform, and Switzerland want to impose the highest ALM standards in Europe. Kate Moody is joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including Alia Mahmud from ComplyAdvantage, The Financial Times' Siddharth Venkataramakrishnan, and Dann Bibas from Public.com.

59min listen
779
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Fintech Insider

779. Insights: What AI can and can’t do in financial services

David Brear is joined by a panel of experts from Cleo, Feedzai and Starling Bank to look at how financial services need to adapt to the changes brought by AI, where it can have the most influence and where the human touch is still needed.

55min listen
195
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Blockchain Insider

195. Insights: The current state of stablecoins

L.F.G. Today we bring you: a super interesting discussion on the current status of stablecoins in the US and beyond and with the launch of PYUSD from PayPal what might the wider impact be? Are stablecoins going mainstream? All this and much more on today's Blockchain Insider!

45min listen
778
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Fintech Insider

778. News: JP Morgan invests in Brazil, African funding passes £2bn, and M-Pesa enter Ethiopia

JP Morgan increases its investment in Brazilian neobank C6, as Goldman Sachs sells its PFM unit, African fintech investment surpasses $2 billion, as M-Pesa enter Ethiopia for the first time. Benjamin Ensor and David Barton-Grimley are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including Sarah Kocianski and Samee Zahid from Chipper Cash.

1h07 listen
777
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Fintech Insider

777. Insights: Will FedNow flop or not?

Benjamin Ensor is joined by some great guests from Orum and Consult Hyperion to talk about the recent launch of FedNow in the US and what the impact will be in the US and globally.

42min listen
Video
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Decoding

What are fintechs? - Decoding: Banks

Ever wanted to know what’s going on behind the scenes every time we make a payment?

12min watch
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Lending

How does lending work? - Decoding: Banks

Lending has been around for thousands of years and is one of the cornerstones of banking.

11min watch
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Decoding

How can traditional banks win on the banking battlefield? - Decoding: Banks

They're down, but they're not certainly not out.

15min watch
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Decoding

How do card networks operate? - Decoding: Banks

Mastercard and Visa are the two biggest credit card networks in the world.

13min watch
Video
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Decoding

How has the banking battlefield evolved? - Decoding: Banks

We kick off our Decoding: Banks series with a look at the banking landscape today and how we got here.

13min watch
Video
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BNPL

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?

4min watch
Video
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Lending

Jeff Keltner from Upstart on what the future of lending will look like | Spotlight

What does the future hold for lending? Live from Lendit USA 2022.

24min watch
Video
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Homebuying

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.

Video
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Open Banking

What is Open Banking? | 11:FS Explores

In this episode of 11:FS Explores, Adam Davis picks apart Open Finance, and what we have to look forward to if this technology became a reality.

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Unleashing creativity! A case study on sparking innovation with Bidyut Dumra from DBS | Spotlight

On this episode of Spotlight, 11:FS Crypto Global Strategy Director, Mauricio Magaldi is joined by Ramp Network Co-Founder and CEO, Szymon Sypniewicz. In today's chat, the pair discuss Szymon's career, the current regulatory landscape in crypto, and what the future might hold when it comes to widespread crypto adoption.

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.
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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