Global

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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.

4min read
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Personalised payments: enabling the choice and flexibility consumers expect

Consumers are evolving, and so are their expectations and demands. As the purchasing power of the younger, digital-native Gen Z and Gen Alpha grows and older generations become more comfortable with the possibilities that AI and other new technologies enable, businesses have to work harder to keep them happy and retain their business.

3min read
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11:FS Pulse

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.

6min read
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Why the future of fintech depends on empowering SMBs

While consumer-focused fintech has seen waves of innovation since the early 2000s, the small and medium-sized business (SMB) sector has remained comparatively underserved.

2min read
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Agentic AI is reshaping financial services

Unlocking agentic AI’s upside demands rethinking how humans and systems share control, rebuilding data and API foundations, and scaling autonomy in measured steps with rigorous human-style QA

10min read
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How digital payouts offer a competitive edge to insurers

In the highly competitive insurance sector, customer experience is a critical differentiator. While insurers focus on policy features and premiums, the claims payout process is often overlooked, creating a significant point of friction.

3min read
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Culture

I’ve incentivised innovation, why isn't my team innovating?

At one of our Truly Digital After Dark events, Anne Boden said “if you call yourself digital, you’re not digital”.

4min read
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Tackling fraud in real time: balancing speed and security

The term ‘technical debt’ has been around a long time in software engineering. It shares some common characteristics with financial debt: You can accumulate it, you can ‘pay it off’.

5min read
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11:FS Pulse

5 fintechs to watch in Asia

The fintech scene in Asia is booming. In recent years, the region has developed rapidly, with a diverse array of startups and established banks transforming how financial services are delivered and consumed.

4min read
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How internal adoption fuels successful embedded finance solutions

Payments in the Middle East are evolving. The payments landscape in the Middle East has stood at an important tipping point for some time.

4min read
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We won Consultancy of the Year 2025!

The U.S. Treasury and the Office of the Comptroller of the Currency (OCC) both hit the headlines with fintech-related announcements. Treasury released a 222-page report on the subject of Nonbank Financials, Fintech, and Innovation, while the OCC almost immediately followed with the news that it would finally begin accepting National Bank Charter applications from fintechs, in line with Treasury recommendations.

3min read
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Execution is everything: Why speed x quality wins the day

How do I create the 5 year plan for 8 software releases a day? This is one of my favourite lines from an old school bank executive. It happened live on stage in front of 500 people when I made the point that challenger banks are now operating at 8 releases per day. It might seem nerdy, but why does it matter how often banks release new software?

5min read
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Are you selling or partnering with banks?

The fintech ecosystem is currently going through an exciting phase. Startups that were once considered young and immature like Monzo, Revolut, or Airwallex have grown into established financial companies. At the same time, incumbent banks are getting better at engaging and investing in fintech. The two worlds are converging and sparking new opportunities for partnerships.

6min read
125
podcast
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Insurtech Insider

125. News: Insurtech funding bounces back, while cyclists could soon require registration plates and insurance

John Bean and Benjamin Ensor are joined by a panel of guests from e-Zee Insurance and Snapsheet to talk through the biggest news of the month. Hear about: Insurtech funding bounces back after global downturn, Lloyd’s to end insurance coverage for state cyber attacks, and cyclists could be made to have registration plates and insurance. All this and much, much more on today's Insurtech Insider!

59min listen
660
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Fintech Insider

660. News: Shoppers globally turn to Buy Now Pay Later for groceries

Benjamin Ensor and Nicole Perry are joined by some great guests, from Anthemis and Lightyear, to talk about the most interesting stories in financial services over the last 7 days, including: UK and US consumers using Buy Now Pay Later to purchase groceries, Pezesha raises $11m from Women’s World Banking, and the PayPal story could be coming to a screen near you.

55min listen
659
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Fintech Insider

659. Insights: Are SMEs really being served?

Ross Gallagher is joined by some great guests, from Allica Bank and Novo, to discuss whether the initial promise of financial services for SMEs has truly been delivered.

45min listen
podcast
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Blockchain Insider

Insights: How can web3 change the film industry?

We. Are. Here. Today we bring you: a very exciting deep dive: this time - into film and web3. How do films and filmmaking change and work in web3? Does web3 have the power to revolutionise the process of filmmaking as we know it, and could it encourage more diversity and inclusivity? All this and much more on today's Blockchain Insider!

40min listen
658
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Fintech Insider

658. News: Prometeo launches LatAm A2A payments and Ramp rolls into BNPL

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, including: Prometeo launches LatAm’s first A2A payments platform, Ramp steps into the Buy Now Pay Later Market, and we dive into the Fintech Insider mailbag!

1h06 listen
657
podcast
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Fintech Insider

657. Insights: Can fintech help solve the refugee crisis?

Benjamin Ensor is joined by some great guests, from 11:FS, Bunq, Techfugees, and Leaf Global Fintech to ask: 'How can fintech help solve the refugee crisis?'

40min listen
124
podcast
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Insurtech Insider

124. Insights: Building for trust and transparency in insurance

Nigel Walsh and John Bean are joined by a panel of guests from 11:FS and Maptycs to talk through the process of building trust and transparency in insurance. All this and much, much more on today's Insurtech Insider!

50min listen
656
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Fintech Insider

656. News: Can Klarna become a Super App?

David M. Brear and Nicole are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: Wise partnership with Plaid gives customers access to 6000 US apps, Klarna strives for Super App status, and Adam Neumann raises BIG from A16Z!

57min listen
654
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Fintech Insider

654. News: Earned wage access – friend or foe?

Kate Moody and Nicole Perry are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: cash’s comeback as the cost of living climbs, Heopagos raising big for Latam payments, and Italy says ‘ciao!’ to Domino's Pizza.

59min listen
653
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Fintech Insider

653. Insights: Making financial services accessible for people with disabilities

Ross Gallagher is joined by some great guests, from 11:FS, Sibstar, and Purple, to talk about you design financial services for people with disabilities.

40min listen
podcast
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Fintech Insider

Bonus. Eco's Andy Bromberg on copying in fintech

In this exciting bonus episode, David M. Brear is joined by Andy Bromberg, CEO of Eco, to talk about the fine line between copying, imitation, and competitor research. All this and much much more on today's bonus show!

24min listen
123
podcast
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Insurtech Insider

123. Insights: What is the future for brokers?

Nigel Walsh and John Bean are joined by a fantastic guest from Hubb to talk through what the future for brokers might look like in today's insurance space. All this and much, much more on today's Insurtech Insider!

47min listen
652
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Fintech Insider

652. News: Will JPMorgan Chase transform the travel industry?

Kate Moody and Nicole Perry are joined by some great guests, from DealStreetAsia and Fintech Business Weekly, to talk about the most interesting stories in financial services over the last 7 days, including: Sequoia makes first investment in Pakistan, LendUp enters liquidation, and trade in your pandemic impulse buys!

1h listen
651
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Fintech Insider

651. Insights: How will PSD3 shape the future of Open Banking?

David M. Brear is joined by some great guests, from Plaid, Payments Solved, and The Payments Association EU, to look at how PSD3 might influence Open Banking going forward.

50min listen
650
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Fintech Insider

650. News: Peter Thiel backs European investment app Shares

David M. Brear and Nicole Perry are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: European investing app Shares snaps up $40m financing round, Plaid launches Variable Recurring Payments, and we dip into the Fintech Insider mailbag!

1h05 listen
Video
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11:FS Pulse

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!

7min watch
Video
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11:FS Pulse

3 ways AI is shaking up UX in financial services | 11:FS Explores

The entire world is buzzing about AI, and that ain't changing anytime soon. But as AI becomes more integrated into our daily lives, what impact will it have on financial services and how people interact with them?

5min watch
Video
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Decoding

What are fintechs? - Decoding: Banks

Ever wanted to know what’s going on behind the scenes every time we make a payment?

12min watch
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Decoding

How does banking regulation work? - Decoding: Banks

Regulation is essential. It stops banks from going bust or behaving badly.

12min watch
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Decoding

How has software evolution influenced banking? - Decoding: Banks

The invention of the computer revolutionised banking in the 1950s.

11min watch
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Lending

How does lending work? - Decoding: Banks

Lending has been around for thousands of years and is one of the cornerstones of banking.

11min watch
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Decoding

How can traditional banks win on the banking battlefield? - Decoding: Banks

They're down, but they're not certainly not out.

15min watch
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Decoding

How do card networks operate? - Decoding: Banks

Mastercard and Visa are the two biggest credit card networks in the world.

13min watch
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Decoding

How has the banking battlefield evolved? - Decoding: Banks

We kick off our Decoding: Banks series with a look at the banking landscape today and how we got here.

13min watch
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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.

7min watch
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
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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