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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.
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.
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103. Tethery’licious Bitcoin
We. Are. Here. Today we bring you: Libra fallout continues, Polkadot, and tethery’licious volume! All this and more on today’s blockchain insider!
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335. News: You don’t have any unicorns!
David and Simon are joined by some great guests to talk about some of the most interesting stories of the last 7 days. Including: BoE welcomes tech companies for the first time, Revolut eyes big bucks before IPO and Monzo’s second billion!
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334. Fintech Insider Interviews: Money20/20 Payments Special
In today's episode, we bring you a series of interviews with the people behind some of the most interesting companies in the payments, straight from Money20/20 in Amsterdam! Interviews include Harsh Sinha from Transferwise, Patrick Gauthier from Amazon Pay, Roland Palmer from Alipay and Mark Barnett from Mastercard!
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102. Libra: The banks are sh***ing themselves
We. Are. Here. Today we bring you: Libra, libra and more libra, Bank of England's Mark Carney positive on DLT and Bitcoin futures. All this and so much more on today's episode.
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43. News: Buzzword Bingo
Sarah and Nigel are joined by a couple of great guests this week to talk about the most interesting stories happening in insurtech over the past couple of weeks.
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333. News: Everybody knows a Dave
David and Simon are joined by some great guests to talk about some of the most interesting stories of the last 7 days. Including: The winners from the latest RBS Remedies pool, Monzo heads Stateside and Dave can help your credit score!
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101. Libra: Facebook's world domination
We. Are. Here. Today we bring you: Zuckerberg's world domination plans, Block.One's social media platform and an amazing interview with Wei Shou from Binance!
Bonus: Sir Geoffrey Vos, Chancellor of the High Court
We. Are. Here. In today's bonus episode of Blockchain Insider, we bring you a fantastic interview with Sir Geoffrey Vos, Chancellor of the High Court and chair of the UK Jurisdiction Taskforce.
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331. News: With great data comes great responsibility.
Simon Taylor and Brandon Chung are joined by some great guests to talk about some of the most interesting stories of the last 7 days. Including: The FCA’s major overhaul of overdrafts, The finale for Finn and Banking and Big Macs in Russia.
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330. Interviews: Patrick Collison, CEO of Stripe
In today's episode, we bring you an interview with the extraordinary Patrick Collison, CEO of Stripe! David Brear meets him on stage at Money20/20 Europe in Amsterdam, to talk about all things Stripe, industry dynamics and the importance of being open to partnership.
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100. Live: Bitcoin - not just for Lamborghinis!
We. Are. Here. We are actually here! We are coming to you live from Level39 in London, to celebrate episode 100 of Blockchain Insider! In this episode, we will be looking back at our 99 previous episodes and we are of course joined by some brilliant guests!
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42. US startup special
Sarah is joined by Sam Maule in this special episode in which we bring you three interviews with some of the most interesting players on the American insurtech scene! Today we will hear from Quentin Coolen from Waffle, Ryan Rugg from R3 Corda and Rashmi Melgiri from CoverWallet! We hope you enjoy these interviews as much as we enjoyed recording them!
Live from Money20/20: Why tokens might be the future of finance
We. Are. Here. LIVE from Money20/20! Today's episode is coming straight from the stage at Money20/20, from which we bring you a discussion of Centralised VS Decentralised, Utilities vs. Securities and Future of Programmable money!
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327. News: Boom Time
David and Simon are joined by some great guests to talk about some of the most interesting stories from the last 7 days. Including: Global Payments buy TSYS, NatWest apologises for patronising women, by patronising women, and are Revolut the most complained about fintech?
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326. Fintech Insider Live at FusionONE - a new era of finance
We are coming to you live from FusionONE! In this live episode, Simon and Sarah are joined by some great guests to talk about the new era of finance being shaped by open platforms, emerging technologies, and the rise of the talent in the developer community.
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
