How to manage financial products in Europe, NA, Asia, and beyond.

The consulting firm CG42 recently reported that it expects the ten largest banks in the US to lose $159 billion in deposits to smaller competitors over the next year.

This award is given to the incumbent financial institution that is executing the best digitalisation strategy.

One thing we hear a lot about here at 11:FS is how frustrating bad user experiences can be. Especially when trying to complete finance-based tasks – it’s not ideal considering the impact that these tasks can have on our everyday lives.

There’s a sweltering heat wave hitting the city and I’ve never been so thankful for the office air conditioning. We’ve just entered July, everyone’s moving onto their Q3 targets and writing reports on Q2. So what happened in Q2 for the fintech world? And where are we about to go for Q3? I take a look at the 11 biggest stories that happened in fintech over the last three months.

This is the fourth 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 dives into 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.

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.

“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.