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Get the latest news and insights from the retail banking space.
Is the UK finally catching up to America’s credit culture?
Over the last 18 months, UK credit card borrowing has accelerated, outstanding balances have surpassed pre-pandemic highs, and some of the UK’s largest fintechs are making increasingly aggressive moves into lending.
The payday playbook: Designing around the moment money lands
For most people, the month falls into two phases - before and after payday - when balances jump, debts feel manageable, and financial intentions come back within reach. But in most banking apps, payday is treated as a passive event.
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Junior accounts are growing up
Barclays is acquiring the UK arm of GoHenry, a money app for 6 to 18-year olds. With a reported price tag of £180 million for around 500,000 active accounts, £360 per head is a chunky investment.
Positive friction: Why a little resistance helps
For the past decade, the banking industry has been focused on developing frictionless interfaces. Financial institutions have prioritised seamless transactions, instant gratification, and engaging gamified features in a bid to build the ultimate digital financial experience.
Targeted support is coming. But customer decision-making has already moved on.
The need for better, tailored support through the customer experience is clear, but few are accounting for the fundamental shift that financial services has experienced with the introduction of AI.
Monzo retains top spot in UK banks and challengers ranking with perfect score
The UK’s largest digital bank once again beat RBS and NatWest to the top spot in 11:FS Pulse's best of UK banking chart.
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In Saudi fintech, every transaction can be a path to financial growth
As the Saudi fintech market matures, a new challenge is emerging. Most fintech interactions, whether payments, BNPL, or other services, remain fundamentally transactional.
Phishing-proof by design: The future of banking authentication
For years, banks have relied on OTPs as a second factor for logins and sensitive actions. Sent via SMS, these short codes were designed to add security on top of a password. But they have become one of the weakest and most frustrating parts of the banking experience.
The rise of subscription banking and why it needs to fit into customers' lives
As our financial lives become more complex, there is a growing expectation for banks to offer more support, be more relevant, and generate greater everyday value. One of the clearest places this shift is starting to show up is in subscription banking.
The fight to win the salary battle
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.
Gamification in fintech: Financial literacy or just engagement?
Saving money and paying bills might not sound exciting - but today’s finance apps are borrowing tricks from video games to change that.
Feature benchmarking: How UK banking apps stack up
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.
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483. News: Google gets into banking - but how will customers react?
David Brear and Mel Stringer are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Google takes on Venmo and Square with new payments features, Starling hits profit for the first time, and the Queen of England unexpectedly takes an interest in blockchain.
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478. Insights: Financial and economic abuse: are banks doing enough?
Sam Maule is joined by some incredible guests to talk about economic abuse and the role of banks and financial institutions.
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476. Insights: The racial wealth gap: addressing economic inequality in the US
Sam Maule is joined by a panel of fantastic guests to discuss economic inequality and the racial wealth gap in the US.
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474. Insights: Cyber Security - what are the biggest threats?
Sarah Kocianski is joined by some great guests to talk about cybersecurity in financial services.
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473. News: Stripe acquires Paystack - are they taking over the world?
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.
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472. Insights: Open Banking two years on - how far have we come?
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.
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470. Insights: Middle East fintech - revolutionising the region's financial landscape
Ross Gallagher is joined by some great guests to discuss how fintech and digital transformation is shaking up the financial landscape of the Middle East.
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469. News: Who isn't launching a checking account?
Simon Taylor and Sarah Kocianski are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Crowdcube and Seedrs' merge, the FCA’s new sandbox dedicated to overcoming coronavirus challenges, and Venmo launches a credit card, as Credit Karma launches a checking account.
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467. News: Open Banking is working - but what comes next?
Sarah Kocianski and Ross Gallagher are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Open Banking doubles its user base in 2020, Amazon's new payment method in the palm of your hand, and can Ping An rescue HSBC?
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465. News: FinCEN Files leak and NatWest carbon footprint tracker
Simon Taylor and Ross Gallagher are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: The FinCEN file leak, Tink continues path to European domination, and NationWide claps back again racism.
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464. Insights: Latin America - fintech's next hottest market
Sam Maule is joined by some fantastic guests from across Latin America to talk about development, growth and impact of fintechs in the region.
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463. News: Can Alibaba Grab the SE Asian market?
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.
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462. Insights: How can public cloud drive business transformation?
David Brear is joined by some fantastic experts from IBM to discuss the opportunities that public cloud offer for business transformation in financial services.
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461. News: Banks tackle deepfraud and RTGS collaborates with Microsoft
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: RTGS Global rolls out stage 1 of liquidity visibility network in collab with Microsoft, banks work with fintechs to counter ‘deepfake’ fraud, and Paypal terminates accounts linked to a Russian influence operation.
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74. Digital transformation - Managing the hybrid
Sarah Kocianski and Nigel Walsh are joined by some amazing guests to talk through digital transformation in the insurance industry.
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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
960
Insights: The future of Revolut with UKCEO Francesca Carlesi
