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Financial services must move beyond inertia to cultivate long-term loyalty
Loyalty is defined as “a strong feeling of support or allegiance”. However, in the context of financial services, it is more accurately defined as engineered persistence: a series of subconscious cues that steer customers toward familiar choices.
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.
Designing for the human behind the business
The people using business banking tools don’t necessarily have financial backgrounds. Many smaller businesses can't afford a dedicated finance team. Yet banks keep building products that assume expertise their customers don't have, leaving them to figure things out on their own.
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.
Banks must become active partners in financial wellbeing
Around the world, people have instant, around-the-clock access to banking apps and their own financial data. So why do so many people still feel uncertain about their financial future?
Vertical Agentic AI is the next frontier for value creation In financial services
Most AI deployments so far have focused on AI that “talks”, which can search, summarise, and draft content to support employees. The next wave is different: AI agents that “do” are starting to take bounded actions inside workflows, moving cases forward and coordinating steps end-to-end, with humans kept in control where it matters.
Accessibility in finance: Designing a future everyone can use
Financial accessibility has long been framed as a matter of compliance or corporate social responsibility. But today, it’s emerging as something much bigger: a competitive advantage.
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.
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.
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.
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.
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
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.
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”.
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513. Insights: Banking Architecture - How should banks structure their technology?
Simon Taylor are joined by some great guests from Google, Fronted and Synctera to talk about how banks structure their technology and why this can make transformation so difficult.
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485. News: Stripe Capital - should everyone in B2B lending just give up?
Adam Davis and Kate Moody are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: TransferWise goes Down Under as they join Australia's real-time payments network, Stripe gets into business lending and Mogo goes into Rainforest Mode in their new app!
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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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481. News: All about that BaaS - did Wirecard collapse at a good time?
Sarah Kocianski and Kate Moody joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Santander buys Wirecard’s core European business for €100m, PNC buys BBVA USA and the FCA says no, as Lanister launches its new polymorphic payment card.
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479. News: WhatsApp payments in India - exponential growth potential?
Simon Taylor and Adam Davis are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: WhatsApp gets approval for payments in India, the US government want to block Visa’s $5.3 billion acquisition of Plaid, and Klarna gets sued by Pablo Escobar’s brother
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477. News: Disruptive innovation - Goldman bets big on BaaS
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: Goldman bets on Banking as a Service, British banks stay bullish despite Lockdown 2, and Ant’s record-breaking IPO has been blocked by the Chinese regulator.
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78. Does anyone buy travel insurance anymore?
Sarah Kocianski and Nigel Walsh are joined by a panel of guests to talk about travel insurance, and how Covid-19 has changed the face of the industry. All this and much much more on today's Insurtech Insider!
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475. News: Ant’s record-breaking IPO - they’re 1% done!
Ross Gallagher and Simon Taylor are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Ant Group and the biggest IPO of all time, cryptocurrency initiatives amongst industry giants PayPal and JP Morgan, and raccoons break into California bank.
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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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77. News: Lloyd's post-pandemic product review & Cover Genius' raise
Sarah Kocianski and Nigel Walsh are joined by a panel of guests to talk through the most interesting news from the insurance and insurtech sphere!
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75. News: High Court tells SMB insurers to pay up
David Brear and Nigel Walsh are joined by a panel of guests to talk through xxx. All this and much much more on today's Insurtech Insider!
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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.
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!
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?
What are fintechs? - Decoding: Banks
Ever wanted to know what’s going on behind the scenes every time we make a payment?
How does banking regulation work? - Decoding: Banks
Regulation is essential. It stops banks from going bust or behaving badly.
How has software evolution influenced banking? - Decoding: Banks
The invention of the computer revolutionised banking in the 1950s.
How does lending work? - Decoding: Banks
Lending has been around for thousands of years and is one of the cornerstones of banking.
How can traditional banks win on the banking battlefield? - Decoding: Banks
They're down, but they're not certainly not out.
How do card networks operate? - Decoding: Banks
Mastercard and Visa are the two biggest credit card networks in the world.
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.
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.
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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
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
