Europe

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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.

4min read
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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.

3min read
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The end of ‘Apply Now’: Credit becomes invisible and immediate

When a customer reaches checkout today, they may get a choice to pay now, split the cost, or move it into credit. That is a very different starting point from the old model of applying for credit in advance.

3min read
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Reimagining payments: Why the UK needs a new chapter for A2A innovation

The UK is currently facing a rare opportunity in the world of payments. After years of debate about the future of the country’s payments ecosystem, government and regulators are now moving from discussion to delivery, with work underway to implement the National Payments Vision for world-leading payments delivered on next-generation technology.


4min read
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Finovate Europe 2026: Three themes and takeaways

11:FS' own Ollie Sebley rounds up another edition of Finovate Europe, what he took away from the talks, and what they say about the outlook for financial services through 2026 and beyond.

3min read
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11:FS Pulse

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.

3min read
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Lloyds

How Lloyds is putting more money in customers’ pockets by tackling £23bn in unclaimed benefits

Loyalty is broken. ‘We appreciate your loyalty’ greetings don’t fool anyone. Most of us can recall crappy experiences.

6min read
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How building societies can own the homebuying space

Looking to crypto and seeing it simply as a speculative asset class is a common mistake for financial institutions and even regulators. But if you start to look beyond the headlines, you can see there’s untapped potential for banks to better serve the SMB market.

5min read
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11:FS Pulse

Designing for junior accounts: Best UX practices in the UK

Although they date back to 2014, in 2017 we saw the rapid rise of ‘crypto funds’, or investment funds that invest mainly in cryptocurrencies such as bitcoin, ethereum, or other ‘altcoins’. Those offering crypto funds are, in effect, managing digital assets. But what’s the difference between ‘managing digital assets’ and ‘managing assets digitally’? Many asset managers have digitized some analogue processes, but very few asset managers are truly digital in nature. What lessons can we learn from the first few years of those that manage digital assets such as crypto funds?, and how can the end investor benefit?

3min read
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Underbanked

Can neobanks reach the underbanked in Eastern Europe?

I wrote about the underbanked phenomenon in Eastern Europe a few weeks ago. Mainly I talked about which basic services are used, not used, and why.

4min read
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Unfiltered

Chase UK could massacre the competition this year

With the new year picking up a head of steam, it’s time to turn our attention to the trends and themes set to shape financial services in 2023. Here at 11:FS, we’re more convinced than ever that UK banks are running out of time to address their core banking issues.

3min read
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Underbanked

Why is Eastern Europe so underbanked?

While chatting with my grandma on my annual trip to Romania this year, I had an epiphany. She is underbanked! So is my mom, uncle, cousin, and neighbour - you get the gist.

4min read
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Open Banking

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.

3min read
228
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Fintech Insider

228. 11:FS Presents One Fintech Nation - The UK as a Fintech Hotspot

In this episode Simon Taylor takes a look at what makes the UK a fintech hotspot. In association with Tech Nation we examine what's going on in fintech across the country that makes it so attractive to set up here.

29min listen
226
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Fintech Insider

226. 11:FS Presents One Fintech Nation - Bursting the London Fintech Bubble

In this episode Simon Taylor takes a look at fintech beyond the London bubble. In association with Tech Nation we examine what's going on in fintech across the country.

38min listen
225
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Fintech Insider

225. News: Live at Money 20/20 Europe

Live from the Arena stage at Money 20/20 Europe in Amsterdam, hosts David M. Brear, Simon Taylor, and Sam Maule are joined by Leda Glyptis, CIO at Qatar National Bank, Rob Frohwein, CEO of Kabbage, Sara Feenan, Business Development Manager at Clearmatics, Jeff Tijssen at 11:FS, Anna Irrera, Fintech Correspondent at Reuters and Peter Hazou, Director of Business Development at Microsoft.

49min listen
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Fintech Insider

Bonus: World's First Smart Bank? Monzo Release IFTTT Integration

Simon Vans-Colina visits us at 11:FS to reveal all about their new IFTTT integration

11min listen
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Blockchain Insider

49. Live from Money20/20 Europe: Interviews With Ripple CEO Brad Garlinghouse and Brad Zastrow from Dash

Blockchain Insider comes to you Live from Money20/20 this week! We also have awesome interviews with not one but two Brads: Brad Garlighouse, CEO of Ripple and Brad Zastrow Global Head of Business Development of the Dash Core.

31min listen
211
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Fintech Insider

211. Interview: Suresh Vaghjiani, MD Global Processing Services

Simon sits down with Suresh Vaghjiani, Managing Director of Global Processing Services to discuss how many fintechs are using their services, how they choose who to partner with and those card outages that happened at the end of 2017.

25min listen
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Blockchain Insider

44. Deutsche Wish Your Profit Was Hot Like Binance

Simon and Sarah sit down with Petrit Berisha to talk about the latest in blockchain news.

52min listen
209
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Fintech Insider

209. Interviews: Deputy Mayor of London Rajesh Agrawal

David sits down with the Deputy Mayor of London, Rajesh Agrawal to discuss the future of fintech in London and what the city's financial industry needs to be doing to remain the financial capital of the world.

25min listen
208
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Fintech Insider

208. CEO Interviews: Luke Johnson, Neat Capital & Mutaz Qubbaj Squirrel

Simon sits down for a double dose of interviews this week. First he meets Luke Johnson, CEO and Co-Founder of Neat Capital on faster housing purchases before sitting down with CEO of Squirrel, Mutaz Qubbaj.

42min listen
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Fintech Insider

Bonus: Interview with Richard Davies TSB Design Competition

Sarah Kocianski had the opportunity to speak to Louise Smith, Chief Digital Officer at Lloyd's of London about digital transformation and the future of the famous underwriting rooms!

17min listen
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Blockchain Insider

35. Get Bits or Die Tryin' and Ripple Explain XRP

On today's show: Wallstreet sneaks up on crypto as Poloniex is taken over by Goldman-Sachs backed Circle, Nearly half of last year's ICO's have already failed and Venezuela go crypto crazy. We also bring you great interviews with Marcus Treacher, SVP of customer success at Ripple to address some of the confusion over XRP, and CoFounder of PayTechLaw Frank Müller.

56min listen
183
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Fintech Insider

183. Insights: FCA Takeover

In this episode Jason and Simon (but mostly Jason) take over the FCA, hosting a series of interviews across the FCA team, recorded live at their offices in Canary Wharf!

47min listen
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Fintech Insider

182. Interview: The FCA's exclusive announcement

In this episode, Jason Bates chats to Chris Woolard, Strategy and Competition Director about an exclusive announcement concerning their regulatory sandbox.

23min listen
180
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Fintech Insider

180. Interview: Mike Kelly, CEO - Curl

In this episode, Simon Taylor chats to Mike Kelly, CEO and founder of payments network, Curl.

32min listen
171
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Fintech Insider

171. Interview With Rishi Khosla, CEO of OakNorth

Today Jason Bates interviews OakNorth CEO Rishi Khosla, a leading challenger bank in the UK.

19min listen
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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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fintech Insider

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...

1h2 listen
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
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fintech Insider

Insights: The future of Revolut with UKCEO Francesca Carlesi

1h2 listen
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
960
Podcast
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fintech Insider

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...

1h2 listen
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
960
Podcast
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fintech Insider

Insights: The future of Revolut with UKCEO Francesca Carlesi

1h2 listen
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
960
Podcast
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fintech Insider

Insights: The future of Revolut with UKCEO Francesca Carlesi

1h2 listen