The future of banking innovation
Innovation is the spark that creates waves of exciting new products and services that improve our relationship with money. But how do you move fast and innovate in a banking system that’s designed to play it safe?
Fintech Insider: Episode 1012
Driving innovation in UK banking with Lloyds, Santander, and NatWest
In this episode we explore how UK banks can regain their edge in an increasingly competitive global market. Hosts Ross Gallagher and Tim Heard are joined by innovation leaders from NatWest, Santander, and Lloyds Banking Group to discuss how financial institutions can modernise at scale.
The conversation focuses on the practical realities of innovation in banking — from cultural transformation and agile delivery to building the right governance frameworks for faster, safer experimentation.
Overheard on the show
Check out what our expert panel had to say about innovation with these exclusive clips.
“Certain types of failure are desirable. They’re ok, if they’re done safely and if you’re learning the right lessons.”
David Grunwald, NatWest
“I was very surprised when nothing ever happened... The organisation wasn’t ready to receive the ideas.”
Tim Heard, 11:FS
“It’s really important to protect the team from a lot of the noise when they need to focus and actually get stuff done.”
Sarah Farrington, Lloyds
11:FS report
Rebuilding financial services from the inside
Our most popular report of all-time is as relevant today as the day it was published. We show you why pace of change is the key to success and how FIs can use tech to gain a competitive edge.
“The industry might have changed a bit since this report first hit the newsstands, but the problems that it addresses persist to this day. What financial services needs now is not a return to wild experimentation - but a smarter, more grounded form of innovation.”
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