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Does your bank even care that you’re rich?
I’ve been thinking about HENRYs recently. Not the Henry who asked me to marry him - I was 8, he was 5 - although he does cross my mind occasionally. HENRYs, short for ‘High Earners Not Rich Yet’, was coined as a label by Shawn Tully in 2003.
The real differentiator in financial AI won't be intelligence. It will be trust.
If you listened to the headlines, you'd think the competitive race in financial services is about one thing: building the smartest AI. We think that's the wrong way to look at it.
Banks, it’s time to decide what kind of embedded banking player you are
Embedded banking without strategic intent is expensive theatre. Lots of APIs, lots of partnership announcements, lots of pilots, but not much revenue. And that’s the risk facing corporate banks right now.
Trust is the new infrastructure in agentic commerce
AI assistants already help people compare products, check availability and plan purchases. Agentic commerce extends that role to placing the order: a customer sets a budget and a few conditions, then gives the software permission to complete the purchase.
The payday playbook: Designing around the moment money lands
For most people, the month falls into two phases - before and after payday - when balances jump, debts feel manageable, and financial intentions come back within reach. But in most banking apps, payday is treated as a passive event.
The Agentic AI trap: More agents won’t transform financial services
Financial institutions are moving quickly into agentic AI. Coding agents, workflow agents, document agents, service agents and operational agents are already entering the enterprise. Many will create useful gains, some of them genuinely impressive. But that is not the real test.
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Junior accounts are growing up
Barclays is acquiring the UK arm of GoHenry, a money app for 6 to 18-year olds. With a reported price tag of £180 million for around 500,000 active accounts, £360 per head is a chunky investment.
Positive friction: Why a little resistance helps
For the past decade, the banking industry has been focused on developing frictionless interfaces. Financial institutions have prioritised seamless transactions, instant gratification, and engaging gamified features in a bid to build the ultimate digital financial experience.
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.
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.
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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.
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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.
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!
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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!
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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!
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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.
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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!
Bonus. Jamie Bartlett is still after the Missing Cryptoqueen
We. Are. Here. Today we bring you: a special bonus interview with author and presenter Jamie Bartlett, where we chat about all things Missing Cryptoqueen, and his new book: “The Missing Cryptoqueen: The Billion Dollar Cryptocurrency Con and the Woman Who Got Away with It”. All this and much much more! All this and much more on today's Blockchain Insider!
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122. News: Instanda and YuLife raise despite insurance start-up credibility crisis
Nigel Walsh and John Bean are joined by a panel of guests from Anthemis, Flock and Instanda to talk through the biggest news of the month. Hear about: No-code insurtech scale-up Instanda raises £37m, insurance start-ups face credibility crisis, and GEICO may have to pay a woman who got an STD in an insured car. All this and much, much more on today's Insurtech Insider!
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648. News: Starling pulls back from Ireland while Stori becomes Mexico's latest fintech unicorn
Kate Moody and Amy Gavin are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: Starling pulls Irish bank application, Stori becomes Mexico’s latest fintech unicorn, and ‘Eat The Rich’ popsicles are selling fast!
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647. Insights: How is rising inflation impacting financial services?
Kate Moody is joined by some great guests, from Chetwood Financial, Innovate Finance, and Minna Technologies, to ask how will inflation impact financial services going forward.
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645. Insights: Dan McCrum on bringing down payment giant Wirecard's house of cards
David M. Brear is joined by investigative reporter and author, Dan McCrum, to dive into his new book about uncovering the truth about payments company Wirecard.
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644. News: Should Open Banking become a legal requirement for credit assessment?
Benjamin Ensor and Deepa Anikhindi are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: Agricultural bank Oxbury raises £20m in a funding round, Payl8r calls for open banking to be legally required for credit assessing, and the world's first fintech sitcom!
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643. Insights: How do you put together the perfect mortgage offering?
David M. Brear is joined by some great guests, from Bunq, Maxwell and Molo Finance, to help put together the perfect mortgage offering taking aspects from across the world.
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165. Insights: How do you know it's web3?
We. Are. Here. Today we bring you: an episode focused on ownership. Ownership is web3’s ability to prove that digital assets are owned by users. But how exactly does it work? How is it different from the world of web2? And what changes can we expect to see in the world now that assets are on-chain? All this and much more on today's Blockchain Insider!
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?
Using Jobs to be Done to revolutionise SME Banking | 11:FS Explores
It's not just a buzzword.
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.
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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
