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Global
What a recession means for fintech
Did you know that when they’re not dishing up masterly analysis, everyone’s favourite web3 wizards - 11:FS Global Strategy Director, Crypto Mauricio Magaldi and Visa Head of Crypto Cuy Sheffield - like to dabble in a spot of divination? I know, right?!
Financing for app and game developers isn’t fit for purpose
As I sit here trying to write something strictly about fintech, there’s only one thing on my mind: how important it is to have an employer that truly values pregnant employees.
How is fintech helping with customer stress?
Tottenham Hotspur are completely cashless (and trophyless) at their new stadium. Lionel Messi has launched the ‘Messiverse’ in partnership with blockchain platform Ethernity. Manchester City and Laybuy have teamed up to offer a Buy Now Pay Later (BNPL) service to fans. And that’s just the tip of the iceberg.
Find yourself an employer that values your pregnancy
We’ve recently made an amazing hire at 11:FS to be our new Chief of Staff, in the digital era that’s huge news and here’s why.
It's time for community investing to go mainstream
Despite the global economic climate, a lot of banks and fintechs have dipped their toes into the crypto waters in recent months.
Banks: it's time to break free of your legacy tech
You don’t have to spend much time in retail banking before you come across legacy systems - a catch-all term often used to explain why banks are so slow and unresponsive.
Changing the perception of insurance
I recently heard someone suggest that ‘insurance is just like gambling.’ Bit of a stretch, but I could see their point. Both are fundamentally risk-based, and it raised an interesting question - do you ever really ‘win’ in insurance?
What use is fintech if you can't get online?
A couple of weeks ago I went into an overpriced London salad shop for lunch. Before I could part with my hard-earned money for some wilted spinach and avocado, the connection on the iPad I was ordering on went down.
Stop mistaking clever features for intelligent services
When launching a new product or improving an existing one, it's tempting for product teams to look at competitors as a starting point. But if the goal is to launch a proposition that truly solves your customers' problems, do you even need to look at your competitors in the first place?
Can circular economies do what ESG couldn’t?
This is the second article in a three-part series on how fintech for good (FFG) is helping people and the planet. The first touched on consumer behaviour. If you missed it, check it out here.
How to build a design dream team for your digital product business
This December 2020 cover of The New Yorker has been praised for perfectly capturing the zeitgeist of the time. Of the completely bizarre year we didn’t see coming. The illustrator draws on the mundane everyday to create an image that resonates so well with the magazine’s varied readers.
Product managers have the tools to fix ESG investing
As the saying goes, “success breeds success”. And one of the things that’s interesting in our industry is the alumni of fintechs going on to do great things. It’s no coincidence - there’s a bit of a pattern emerging: The founders of some of the most successful startups of today cut their teeth at the biggest fintechs of yesterday.
Universal crypto adoption will come down to education and design
It’s happening. After months of ‘will they, won’t they’, Monzo is heading Stateside.
Private banking: get truly digital or get left behind
Recently, Nick Miller, Senior Ventures Strategist at 11:FS, published an article on why ESG investing is broken. If you haven't already, go and give it a read before you dive into this one.
Open banking regulators hold the key to an open finance future
Four years ago, policymakers in the UK and EU took the first steps to enshrine open banking into law, but now we’re at a turning point for digital adoption and the old ways of working aren’t working anymore.
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1061. Insights: The advice gap: Are banks helping customers or protecting themselves?
Advice is regulated and personalised. Guidance is broader and safer - but that line is starting to blur.
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1060. News: NatWest, HSBC & Lloyds face new rules, Adyen drops €750m and Revolut steps into the real world
Host Laura Watkins - Director of Media and Marketing at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.
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1058. News: Revolut’s $200bn ambition, TikTok’s creator card, and Lloyds digitises homebuying
Host Benjamin Ensor - Director of Research and Strategy at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.
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1057. Insights: From inertia to advocacy: Rethinking customer loyalty in fintech
What does customer loyalty really mean in financial services - and has it ever been real? In this episode of Fintech Insider Insights, Kate Moody is joined by Rosie Lee, Jas Shah, and Alex Johnson to unpack the shifting nature of loyalty in a world where switching is easier than ever.
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1056. News: AI is everywhere: FCA's open finance roadmap, Google’s Global AI, and the Lloyds' boardroom
Host Benjamin Ensor - Director of Research and Strategy at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.
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1055. Insights: What happens when embedded finance grows up? With Pleo and Mastercard
In this episode of Fintech Insider Insights, in partnership with Pleo, host Benjamin Ensor is joined by Jeppe Rindom (Co-Founder & CEO at Pleo) and Tulsi Narayan (EVP, Commercial and New Payment Flows, Europe at Mastercard) to explore the next phase of embedded finance — as it evolves from a handy feature into critical infrastructure.
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1054. News: Jamie Dimon raises the alarm, Barclays brings back branches, NatWest and Sainsbury's join forces
Host Laura Watkins - Director of Media and Marketing at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.
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1053. Insights: Agentic payments: Revolution or just better orchestration?
Benjamin Ensor is joined by Rory O’Neill, Sahar Attaripour, and Sam Boboev to explore the rise of agentic payments - a fundamental shift from executing transactions to delegating intent.
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1052.News: AI agents are trading, Monzo is retreating, and Wise is coming for the banks
Host Ross Gallagher - Head of Consulting at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.
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1050.News: Starling launches UK’s first agentic AI banking, Paymentology’s WhatsApp neobank and Turkey SEPA expansion
About this episode: Host Laura Watkins - Director of Media and Marketing at 11:FS is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's guests: David Sullivan -
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1048. News - After Dark: Robinhood's family plan, Irish banks team up to take on fintechs, and did Year in Monzo go too far?
Our expert host Ross Gallagher, and co-host Jamie Campbell, Co-CEO of 11:FS Holdings, present Fintech Insider News live from Village Underground in London, joined by some fantastic guests to discuss some of the interesting fintech and financial services stories of the week.
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1047. Insights: Can you launch a start-up in 2026? Live from J.P. Morgan Payments
Recorded live from J.P. Morgan’s e-commerce and fintech forum, 11:FS CEO David M. Brear is joined by an all-star panel to tackle a deceptively simple question: can you still launch a startup in 2026?
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1046. News: Revolut is a bank, Lloyds wants to be a fintech - we're just as confused as you
Host Benjamin Ensor - Director of Research and Strategy at 11:FS is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.
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1045. Insights: Has the banking battlefield evolved - and is Revolut built for it?
For years, banking has been framed as a battlefield: incumbents defending their turf while fintech challengers attack with better tech and customer experience. But in 2026, that picture may have changed.
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1044. News: International Women’s Day: Why the future of wealth is female - and how fraud disproportionately affects women
Host Laura Watkins (Director of Media and Marketing at 11:FS) is joined by a brilliant panel to unpack these topics before diving into some of the biggest fintech stories of the week.
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...
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Insights: The future of Revolut with UKCEO Francesca Carlesi
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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
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Insights: The future of Revolut with UKCEO Francesca Carlesi
