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.
Tucked away in a small corner of the WeWork offices in Aldgate Tower, I sat down with Ross Gallagher. Financial inclusion is the touchstone on financial products for Ross. Regular host of the Fintech Insider podcast with a history in financial services consulting and research. Ross is known around the office as a tupperware fiend and always up for a laugh but as with many people who work for 11:FS he has a real passion for finance and financial inclusion in particular.
In a recent report EY point out that the big advantage the UK has in “Fintech” is it’s progressive policy from Government and Regulators. This post examines the latest policy the regulatory sandbox; to understand how it might work, what companies entering it need to know, and how other jurisdictions could repeat the trick. Can it help financial services be a bit more awesome?
Recently, Nick Miller, Senior Ventures Strategist at 11:FS, published an article on why ESG investing is broken. If you haven't already, go and give it a read before you dive into this one.
This week on Fintech Insider News David, Jason and Simon were joined by Innovate Finance’s Sophie Winwood and making his Fintech Insider debut, Banking Editior at The Economist, Patrick Lane, to tackle the latest news from the last week. Listen to the episode in full here or play and read below
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.
Everyone’s got a bike these days, right? How many bikes would you admit to owning? Is your ‘multi-bike’ strategy paying off? Now ask yourself the same questions about your use of cloud.
While I was COO at Revolut, Vlad Yatsenko - the company’s Co-Founder & CTO - commented a number of times about how opportunity cost of time is typically the biggest cost in a scaling company, and I’ve come to realise this is more and more true.
The digital banking scene in Southeast Asia is hot right now. Over the past two years, it’s experienced some rapid changes. Changing regulations have triggered a mass of new players entering the market.
In this guest blog Bailey Kusar, co-founder and CEO of Toucan, examines how open banking can be used to deliver services that better support people with mental health conditions to manage their finances.
James Safford is a name you might not be familiar with from the 11:FS team. He’s starred in a couple of our shows with brilliant insights on what’s going on in the fintech space. James is a Market Research Analyst working on the 11:FS Pulse platform delivering insights into customer journeys globally. I took a moment to sit down with James and talk to him about how things differ working in fintech compared to publishing, and why he moved into the space after deciding against a lifelong dream.
We’ll say it till we’re blue in the face - FS companies need to do more to improve their users’ financial literacy. And that goes for kids too.
COP26 is over. But the climate emergency is still with us. The headlines might say otherwise but I got the feeling that very little progress was made on climate change. 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.

David M. Brear is joined by Anne Boden, CEO of Starling, in this interview from the archives!

David Barton-Grimley is joined by a fantastic guest, from Wise, to continue exploring the importance of UX to the fintech revolution in Europe.

Benjamin Ensor is joined by some great guests, from 11:FS, CAF, and Hummingbird, to talk about the latest developments in Know Your Customer and Know Your Business.

JP Morgan snaps up First Republic Bank, Revolut launches in Brazil, and ChatGPT investment fund "smashes" competition – Kate Moody and Benjamin Ensor are joined by a great guest from Reuters to talk about the most interesting stories in financial services over the last 7 days.

Benjamin Ensor and Kate Moody are joined by some great guests, Bridge built by Citi and Seattle Bank, to look at the challenges and opportunities for community banks in America.

Our expert host, David Barton-Grimley, is joined by a fantastic guest from Totem to continue exploring financial inclusion in the USA.

David M. Brear is joined by some great guests, from Visa and Capway, to really dig into the keys to successful financial inclusion in America.

Vexi raises to offer young Mexicans lower interest rate credit cards, gig workers denied equal opportunity to financial services, and BMO bank no longer has a den for Hubert the Harris Lion – Kate Moody and Benjamin Ensor are joined by some great guests, from Vexi and Rollee, to talk about the most interesting stories in financial services over the last 7 days.

Kate Moody is joined by some great guests, from 11:FS, Ramp, and Citi's DX10, to talk about how crucial customer centric design is to building better financial services.

L.F.G. Mauricio and Catherine bring you a fantastic conversation looking at what it means to be a digital creator today and the global community it creates, with two amazing digital creators taking part in the global Visa Creator Program. All this and much more on today's Blockchain Insider!

David M. Brear and Jason Bates are joined live in London, by a panel Fintech Insider All-Stars, to talk about the most interesting stories in financial services over the last 7 days, including: lease-to-own fintech Kafene raises Series B, a new credit card code to prevent gun violence in the US, and the big red button of news!

David M. Brear and Nicole Perry are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: European investing app Shares snaps up $40m financing round, Plaid launches Variable Recurring Payments, and we dip into the Fintech Insider mailbag!

Kate Moody and Amy Gavin are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: Starling pulls Irish bank application, Stori becomes Mexico’s latest fintech unicorn, and ‘Eat The Rich’ popsicles are selling fast!

Benjamin Ensor and Deepa Anikhindi are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: Agricultural bank Oxbury raises £20m in a funding round, Payl8r calls for open banking to be legally required for credit assessing, and the world's first fintech sitcom!

David M. Brear 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: Kroo lands full banking licence, Credit Suisse bank found guilty over money laundering charges, and we answer questions from the Fintech Insider mailbag!

David M. Brear, our 11:FS CEO, takes us through legacy technology within banks - but of course, with a really cool Lightboard.
Welcome to episode 5 of our new video series, Decoding: Banking as a Service!

11:FS CEO David M. Brear takes to the lightboard to give us the full run-down, with examples of companies that are leading the way.
Welcome to episode 4 of our new video series, Decoding: Banking as a Service!
Welcome to episode 3 of our new video series, Decoding: Banking as a Service!
Welcome to episode 2 of our new video series, Decoding: Banking as a Service!

Welcome to episode 1 of our new video series, Decoding: Banking as a Service!

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

Minimum Lovable Brand | 11:FS Explores

In this video, our Head of Research, Sarah Kocianski, unpacks exactly how banks make money - with the handy edition of a super cool lightboard!

Fintech is only 1% finished. But what do we mean by that? Simon Taylor, Head of Ventures at 11:FS takes us through the landscape of financial technology in this Lightboard edition of 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.
Inclusive design is a mindset and a process that suggests that you should bring as many people as possible - and the most diverse of voices that you can - into your product design product process, so that you're being truly inclusive. It's designing with people rather that just at them. Charlotte Fereday, Product Director, Ventures, explains what inclusive design is, why it's important, how you can design more inclusively, and answers - how possible is truly inclusive design?

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...

