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Get the latest news and insights from the retail banking space.
Banks: it's time to break free of your legacy tech
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.
Financial exclusion and the gender gap in the Middle East
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.
Reaching unbanked migrant workers in the Middle East
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?
Private banking: get truly digital or get left behind
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.
Fintech's climate fight starts with changing consumer behaviour
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
Why are banks so scared of changing their tech?
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.
What does the future hold for crypto regulation?
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.
Europe's open banking is leaving the US in the dust
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.
What's hot in Southeast Asian digital banking?
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.
Top 6 things to think about when reimagining your partnership strategy
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.
Most people in FS don't understand how it all fits together
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.
4 fintechs teaching the UK about money
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.
Banks should use Open Banking to drive environmental behaviour change
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.
Our fintech predictions for 2022
There’s so much to look forward to in 2022. It’s the Year of the Tiger. There’s a World Cup in November. And, of course, the sands of insurtech will keep shifting.
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769. Insights: How to build a US mobile bank
David M. Brear and Jason Bates are joined by some great guests, from Milli, to bring you this deep-dive into setting up a new banking proposition in the USA!
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767. How do you innovate in a highly regulated industry?
David M. Brear is joined by Standard Chartered CEO, Bill Winters, in this interview deep-diving into innovation in the banking space!
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766. Focus: What problem is mobile money solving in Sub-Saharan Africa?
David M. Brear is joined by some great guests from Visa, Chipper Cash, and DJAMO, to discuss the evolution and further potential of mobile money in Sub-Saharan Africa.
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763. News: Buy Now Pay Later regulation shelved while Coutts faces Farage account fallout
Buy Now Pay Later regulation shelved in UK, Thunes pockets $72M, and Farage accuses Coutts of closing account over ‘values’ – Ross Gallagher and Nas Ahmad are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days.
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762. Insights: Three lessons learned from financial services in 2023 so far
Benjamin Ensor is joined by some great guests, from 11:FS, Innovate Finance, and TwentyOne to talk about the biggest lessons for financial services in the first half of 2023.
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755. News: PSD3 unveils plans to shake up Open Banking
The European Union unveils new open banking rules, Wise announces bumper profits, and Robinhood buys X1 – Ross Gallagher and Benjamin Ensor are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days.
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753. News: Banks are in an AI talent war and Revolut launches the 'Ultra' account
European banks are putting "AI" in 30% of their job ads, Majority bank opens community meeting space for new migrants, and Gen Z need lessons on how to behave in the corporate world – Benjamin Ensor and Ross Gallagher are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days.
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749. What is Anne Boden’s legacy in fintech? (rewind)
David M. Brear is joined by Anne Boden, CEO of Starling, in this interview from the archives!
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741. Focus: How UX is fundamental to seamless money movement
David Barton-Grimley is joined by a fantastic guest, from Wise, to continue exploring the importance of UX to the fintech revolution in Europe.
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737. Insights: Is the future of KYC truly digital?
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.
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735. News: JP Morgan swoops in for First Republic, while Revolut takes on Nubank
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.
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729. Insights: How do community banks stay relevant in 2023?
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.
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721. Focus: Building financial inclusion for seven generations, with Amber Buker, CEO of Totem
Our expert host, David Barton-Grimley, is joined by a fantastic guest from Totem to continue exploring financial inclusion in the USA.
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716. Focus: What does effective financial inclusion look like 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.
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710. News: Revolut tops app downloads – but is Chase coming for the crown?
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.
Banks are losing the loyalty game | 11:FS Explores
Hey, banks! This might sting a bit. You’re getting loyalty all wrong - and it’s costing you customers. But all is not lost!
11:FS Explores: Legacy banking systems ft. David M. Brear
David M. Brear, our 11:FS CEO, takes us through legacy technology within banks - but of course, with a really cool Lightboard.
Decoding: Banking as a Service - Episode 5
Welcome to episode 5 of our new video series, Decoding: Banking as a Service!
11:FS Explores: Digital R.I.C.H.E.S ft. David M. Brear
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.
Decoding: Banking as a Service - Episode 4
Welcome to episode 4 of our new video series, Decoding: Banking as a Service!
Decoding: Banking as a Service - Episode 3
Welcome to episode 3 of our new video series, Decoding: Banking as a Service!
Decoding: Banking as a Service - Episode 2
Welcome to episode 2 of our new video series, Decoding: Banking as a Service!
Decoding: Banking as a Service - Episode 1
Welcome to episode 1 of our new video series, Decoding: Banking as a Service!
It's not the technology - Why banking is broken ft. Ewan Silver
When people discuss 'banking being broken', they often refer to the technology itself. However, that isn't necessarily the case.
Microservices architecture - Asynchronous systems ft. Vaughan Sharman
Minimum Lovable Brand | 11:FS Explores
How banks make money - UK retail banking ft. Sarah Kocianski
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 - The fintech market ft. Simon Taylor
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.
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.
What Griffin are going to do now they have their banking licence with CCO Adam Moulson | Spotlight
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?
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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...
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Insights: The future of Revolut with UKCEO Francesca Carlesi
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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...
960
Insights: The future of Revolut with UKCEO Francesca Carlesi
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Insights: The future of Revolut with UKCEO Francesca Carlesi
