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Guest author Richard Davies shares his reflections as he transitions from his role as Revolut’s COO to Non Exec at Revolut, and CEO of Allica Bank. As fuel for the future he looks at his learnings from Revolut as well as his wider experiences and inspirations over the last decade in financial services and fintech.

When clients come into the 11:FS office, shiny eyed and with an exciting mandate, it gets us super pumped to hear where they want help on their journey.

A banker keen to stay under the radar has written us an insider’s perspective on the TSB scandal. Going by the topical pseudonym of ‘The Stigcumbent’, who you may remember from this piece, they’ve written about the ups and downs of legacy banking and why TSB had to make its move. Read on to learn the full glory of legacy banking and where the future lies…

TL;DR The Bank of England wrote a report about digital currency. Could it replace your bank notes? Could it change financial services dramatically? Yes. But the much more interesting questions were why should a CBDC be created and how?

Returned funds, missed targets and plenty of outrage in the media. How have things gone so wrong for the BCR?

Simon Taylor interviews Nathan Bostock, CEO of Santander UK. Nathan explains how Santander is embracing the tech changes facing the banking industry, and the shifting customer behaviours in their interactions with the bank with the help of digital innovation.

The annual reports for most of the big UK/US banks for 2019 are in as results season comes to a close. So what do they tell us about the state of the industry?

As the German challenger prepares to leave British shores, what can we learn about its attempts to break into the market?

Group CEO David M. Brear recently sat down with the good folks at prepaid business card provider Soldo to discuss the rise of fintech since the 2008 financial crisis and how the UK came to prominence.

What. A. Year. 2019 has been an absolute whirlwind of growth and expansion and in true 11:FS style, we continued to ramp up and start new things right up until the last day of Q4.

On the last American holiday before Christmas, we look at the performance of three companies across the pond.

11:FS Product Lead Terry Cordeiro reflects on what it’s like to be a new “11” after nearly three months on the job.

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.

At 11:FS, we’re proud to be an integral part of a UK community at the forefront of post-financial crisis innovation. But the story of how that community came together has never been told… until now.

Last year, LinkedIn honoured us as a Top 25 Startup in the UK. And they’ve gone and done it again for 2019.