Global

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Financial inclusion

Gates Foundation Interview - What Banks Can Learn from the Frontline of Financial Inclusion

Over the past twelve months, we’ve been seriously busy here at 11:FS. Now we’re announcing arguably the most exciting project we’ve ever taken on.

5min read
Article
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Banking

"My Bank Already Has An App!"

That’s what 11:FS bank building guru Jason hears when he tells people that he’s just spent the last two years building a new digital bank, and they’re right!

5min read
Article
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Blockchain

Top 10 Things To Know About Blockchain This Week

The Pulse team spends their time trawling through the world of banks and fintech apps, sorting the good from the bad so you don’t have to.

5min read
Article
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Blockchain

Why Should a Central Bank Issue a Digital Currency?

In this blog post Simon Taylor explores the concept of a Central Bank Digital Currency and why you would want a DLT (or “Blockchain”) like architecture for such a system.

5min read
Article
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Banking

BaaP (Banking as a Platform) Part 2 - How could banks develop their platform levers?

If you missed Part 1 of this 2 part piece then you can catch it here and catch up with the rest of the class: BaaP (Banking as a Platform) Part 1 – Why haven’t we seen a banking platform play?

5min read
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Jurassic Bank – Why banks will have to go the way of the dinosaurs

The landscape for fintech and banking is evolving more rapidly than ever, and in case you weren’t aware, there’s a war going on for your customers. With challengers attacking from left, right, and centre, it’s never been more important to stay on top of the latest and greatest UX innovation. Pssst – click here to go straight to the goods and request a demo of 11:FS Pulse.

5min read
Article
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Banking

BaaP Part 1 - Exploring Banking as a Platform (BaaP) Model

The opportunity to change the way we deliver financial services is changing as new channels, products and partnerships are being explored. Banking as a Platform (BaaP) is one of the alternatives.By me, David M. Brear, CEO and Co Founder at 11:FS and Pascal Bouvier, Venture Partner at Santander InnoVentures

5min read
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2016 Predictions - Expert FinTech panel predicts the biggest winners and losers in 2016 banking. - 11FS

While 2015 was just awesome on nearly all fronts, I think the close of the year has left us with a cliff hanger that George RR Martin would be rather proud of. For the curious among you, the question remains what’s next? What will 2016 bring? Across the actors and audiences, we feel there are the 9 questions we need to answer to be able to gauge who the winners and losers in 2016 banking will be. To get to the bottom of these questions, we have given our opinion, have asked a panel for their inputs and have asked a few expert friends of Think Different Group also for theirs.

5min read
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AI in Banking: We got it wrong. Bank customers should be talking to a something not a someone. - 11FS

“Hey Siri – Are you the bank of the future?”… “No comment, David” – Sometimes when someone says no comment that means no but when the thing saying it is a computer assistant then “no comment” means someone has taken the time to think about it and decide upon a snarky comment rather than nothing at all! For years AI has been a good idea without real world application or the processing power, connectivity or interface intelligence to maximize the opportunity. In the last 6 months, and ever increasingly, those restrictions are being removed unlocking huge potential.

5min read
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What Differentiates Banking and Fintech? - 11FS

We asked some of the 11:Mamas what they think we do. Here's how that went.

5min read
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Banking’s 38mm and 42mm ‘Branch of the Future’ - 11FS

As consumers order the new Apple Watch, could this eventually be the missing piece of banking’s ‘branch of the future’? With secure digital payments, facilitated through the iPhone and Apple Watch, is this the potential game changer everyone has been waiting for? This article was first published on the Financial Brand in April 2015.

5min read
Article
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Culture

Career Bankers Are The Industry’s Biggest Threat?

Legacy banking organizations are filled with career bankers who are set in their ways and naturally resist change. These managers can stifle the creativity and innovative spirit of others, impacting the ability for the organization to make needed transitions and remain competitive. What type of banker are you? Banks have been talking about a legacy holding them back for decades, but usually this discussion revolves around IT, core banking systems, distribution channels and traditional operation processes. This article was first published on the Financial Brand in July 2015.

5min read
199
podcast
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Blockchain Insider

199. Insights: Real world assets on-chain: changing the future of ownership

L.F.G. Today we bring you a look at Real World Assets (RWAs) - what they are, discuss some of the use cases of tokenized RWA we’re seeing today, the pros and cons of bringing RWA on-chain, and where this emerging market is headed. All this and much more on today's Blockchain Insider!

44min listen
798
podcast
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Fintech Insider

798. News: JP Morgan's former fintech lead launches TodayPay and Airwallex target LATAM

Benjamin Ensor and Kate Moody are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: former J.P. Morgan exec launches Refund-as-a-Service TodayPay, and Airwallex continue expansion into LATAM.

1h04 listen
797
podcast
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Fintech Insider

797. Insights: Is being a fast follower a bad thing?

11:FS CEO David M. Brear and Deputy CEO Jason Bates come together to discuss concept of fast following. Is it always a bad thing? How can you get it right, what pitfalls to avoid getting it wrong and what is the impact on the end customer?

42min listen
796
podcast
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Fintech Insider

796. Focus: How to bridge the gap between banks and creators with Eric Wei and Will Kim, Co-CEOs of Karat Financial

In this second episode on our deep dive into the creator economy in the US, David Barton-Grimley and is joined by not one, but two fantastic guests, the Co-CEOs of Karat Financial to discuss how financial services can better understand creators and how financial education is the key.

37min listen
795
podcast
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Fintech Insider

795. News: Goldman Sachs sell GreenSky and Citibank win the sandwich war

Our expert host Ross Gallagher and co-host Rachel Pandyan are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: Goldman Sachs stepping back from consumer lending, Galileo's new BNPL offering to SMBs, and a Citibank worker who paid the price for a dodgy expenses claim.

1h02 listen
794
podcast
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Fintech Insider

794. Insights: Managing the wealth of the future

Ross Gallagher is joined by some great guests to talk about how fintech and financial services are meeting the needs of Gens Alpha and Beta, and how they are adapting to the needs of tomorrow's wealth makers.

50min listen
198
podcast
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Blockchain Insider

198. Insights: How to fix UX in crypto

L.F.G. Today we bring you a look at UX in crypto: what's wrong with it, where the biggest challenges are, and what can be done to fix it, without compromising the control over your own assets that crypto allows for, joined by fantastic guests from Webacy and Bastion. All this and much more on today's Blockchain Insider!

42min listen
793
podcast
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Fintech Insider

793. News: FedNow launch 15sec account verification, and the Metro Bank saga continues

Host Kate Moody is joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: FedNow launch a new account verification service from Orum, Metro Bank strike a rescue deal, and Nationwide unveil a new look.

1h07 listen
792
podcast
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Fintech Insider

792. Insights: Putting services back into financial services

David M. Brear, CEO at 11:FS, is joined by our very own CTO Ewan Silver for a fireside chat to unpick what we mean when we say the services have fallen out of financial services.

40min listen
790
podcast
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Fintech Insider

790. News: Apple Pay face US lawsuit and Revolut keep banking licence hopes alive.

Ross Gallagher is joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: Apple launch open banking service in the UK, Revolut move closer to a banking licence, and Saga launch a savings platform for the over 50s.

1h08 listen
789
podcast
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Fintech Insider

789. Insights: The Six Characteristics of Digital Commercial Banking

David Barton-Grimley is joined by some great guests to unpack the six characteristics of digital commercial banking; real-time, standardised, automated, embedded, contextual, and extendable. We’ll explore what they are and how they can (or can’t) support a more efficient, reliable, and secure industry.

51min listen
788
podcast
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Fintech Insider

788. News: HSBC offer international credit history checks and Mercedes launch in-car payments.

Benjamin Ensor is joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: HSBC partner with Nova Credit to offer international credit history checks, Mercedes-Benz roll out in-car payments, and Standard Life launch a pensions dashboard.

1h05 listen
787
podcast
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Fintech Insider

787. Insights: Why Should You Choose a Career in Financial Services?

Ross Gallagher is joined by some great guests to talk about recruitment in financial services, how today's applicants can stand out, and also what institutions can do to support diversity, equality & inclusion and create a culture for success.

53min listen
785
podcast
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Fintech Insider

785. News: After Dark: Monzo's £1 investments, solving financial inclusion, and is cash still king?

David Brear and Ross Gallagher are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: Monzo's new investment platform, India hit their financial inclusion targets 41 years early, and cash payments are on the rise.

46min listen
783
podcast
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Fintech Insider

783. News: Adyen’s new banking licence, Perfios’ raise, and the secret to fintech success

Laura Watkins is joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: Adyen get a UK banking licence, Perfios eye UK & US expansion, and a new campaign tackles the gender investment gap.

1h listen
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
Video
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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
Video
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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
Video
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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
Video
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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
Video
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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
Video
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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
Video
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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
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Minimum Lovable Brand | 11:FS Explores

5min watch
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Fintech Marketing Podcast Season 2 Preview

Fintech Marketing Podcast Season 2: Coming soon

4min watch
Video
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Open finance

Fintech Insider Presents: After Dark - Open Finance: fact or fantasy?

After Dark - Open Finance: fact or fantasy?

90min watch
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

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