
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.
As the Saudi fintech market matures, a new challenge is emerging. Most fintech interactions, whether payments, BNPL, or other services, remain fundamentally transactional.

Most AI deployments so far have focused on AI that “talks”, which can search, summarise, and draft content to support employees. The next wave is different: AI agents that “do” are starting to take bounded actions inside workflows, moving cases forward and coordinating steps end-to-end, with humans kept in control where it matters.

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.

11:FS' own Ollie Sebley rounds up another edition of Finovate Europe, what he took away from the talks, and what they say about the outlook for financial services through 2026 and beyond.

Unlocking agentic AI’s upside demands rethinking how humans and systems share control, rebuilding data and API foundations, and scaling autonomy in measured steps with rigorous human-style QA
The term ‘technical debt’ has been around a long time in software engineering. It shares some common characteristics with financial debt: You can accumulate it, you can ‘pay it off’.
Recap the biggest live show Fintech Insider: After Dark has ever done below. Listen back here or stream below as Jason, Simon and a panel of special guests tackle some of the biggest and silliest stories of the week.
Loyalty is broken. ‘We appreciate your loyalty’ greetings don’t fool anyone. Most of us can recall crappy experiences.
The fintech scene in Asia is booming. In recent years, the region has developed rapidly, with a diverse array of startups and established banks transforming how financial services are delivered and consumed.
How do I create the 5 year plan for 8 software releases a day? This is one of my favourite lines from an old school bank executive. It happened live on stage in front of 500 people when I made the point that challenger banks are now operating at 8 releases per day. It might seem nerdy, but why does it matter how often banks release new software?
Looking to crypto and seeing it simply as a speculative asset class is a common mistake for financial institutions and even regulators. But if you start to look beyond the headlines, you can see there’s untapped potential for banks to better serve the SMB market.
Although they date back to 2014, in 2017 we saw the rapid rise of ‘crypto funds’, or investment funds that invest mainly in cryptocurrencies such as bitcoin, ethereum, or other ‘altcoins’. Those offering crypto funds are, in effect, managing digital assets. But what’s the difference between ‘managing digital assets’ and ‘managing assets digitally’? Many asset managers have digitized some analogue processes, but very few asset managers are truly digital in nature. What lessons can we learn from the first few years of those that manage digital assets such as crypto funds?, and how can the end investor benefit?

Gwera Kiwana and Sim Rai are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: Nova Credit Teams with Alloy on inclusive business lending, world's first green fintech taxonomy launched, and Sex Pistols launch God Save the Queen coin and NFT collection.

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.

Mauricio Magaldi and Simon Taylor take a deep dive into the Terra/LUNA story for this very special bonus episode of Blockchain Insider.

David M. Brear and Jason Bates are podcasting from the metaverse!

We. Are. Here. Today we bring you: an in depth conversation about all things Play To Earn and Metaverse. We’re going to be looking at the why, the what, and the how – with the help of some great expert guests in the Play to Earn space. All this and much more on today's Blockchain Insider!

Simon Taylor and Adam Davis are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: WhatsApp gets approval for payments in India, the US government want to block Visa’s $5.3 billion acquisition of Plaid, and Klarna gets sued by Pablo Escobar’s brother

Sam Maule is joined by some incredible guests to talk about economic abuse and the role of banks and financial institutions.

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: Goldman bets on Banking as a Service, British banks stay bullish despite Lockdown 2, and Ant’s record-breaking IPO has been blocked by the Chinese regulator.

Simon Taylor and Mel Stringer are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Stripe acquires Nigeria’s Paystack, Marqeta’s research discovers Covid-19 has forced three-quarters of banks to change their future strategy, and ESG funds forecast to outnumber conventional funds by 2025.

Sarah Kocianski is joined by some great guests to talk about Open Banking two years on and the key developments that have been made since then.

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!

Simon Taylor is joined by some great guests to talk about the growth of ESG and sustainable finance
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!

Sam Maule is joined by some fantastic guests from across Latin America to talk about development, growth and impact of fintechs in the region.

Jason Bates and David Brear are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Alibaba invest 3 BILLION in Grab, Klarna reaches an $11Bn valuation, and Microsoft dig up a data centre they buried underwater off the coast of Scotland 2 years ago.
Ever wanted to know what’s going on behind the scenes every time we make a payment?
Lending has been around for thousands of years and is one of the cornerstones of banking.
They're down, but they're not certainly not out.
Mastercard and Visa are the two biggest credit card networks in the world.
We kick off our Decoding: Banks series with a look at the banking landscape today and how we got here.
Just what is going on with Buy Now, Pay Later right now?

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

There are one billion people globally who can't prove their identity. That's a big problem for accessing financial services.

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.
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.

The UK banking battlefield has never been more competitive. Customers expectfinancial apps that are personalised, seamless, and that genuinely make a differenc...


The UK banking battlefield has never been more competitive. Customers expectfinancial apps that are personalised, seamless, and that genuinely make a differenc...

