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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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1080. News: Klarna applies for a US banking licence, LemFi buys Wealth8, and Santander open-sources AI
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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1078. News: FCA unveils crypto rules, Airwallex hits $11bn valuation, and Jet Bank launches Albania's first digital bank
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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1077. Insights: What does it take to build the bank of the future? With Engine by Starling
In this episode, we're exploring what it takes to build modern banking technology from the ground up. Host Ross Gallagher - Head of Consulting at 11:FS - joined by Sam Everington, CEO of Engine by Starling, and Jody Bhagat, President of North America at Engine by Starling.
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1076. News: US and UK push stablecoins, Flutterwave lands $3.2bn, and Green-Got makes Crowdcube history
Host Kate Moody - Customer Strategy Director 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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1075. Insights: What are the new rules of fintech marketing?
In this episode, we're diving into one of the biggest challenges facing fintech growth right now: standing out. From brand building and customer acquisition to AI-powered marketing and community-led growth, we unpack how fintechs are finding, engaging and retaining customers in an increasingly crowded market. Laura Watkins - Director of Media and Marketing at 11:FS joined by marketing experts of the sector. In this episode, we're diving into one of the biggest challenges facing fintech growth right now: standing out. From brand building and customer acquisition to AI-powered marketing and community-led growth, we unpack
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1074. News: Nuvei splashes the cash on Payoneer, Current raises $80M to improve Americans' financial health
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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1073. Insights: From stablecoins to AI agents - how Stripe is changing the internet economy
In this special episode of Fintech Insider Insights, recorded live at Stripe Tour London, we're joined by two Stripe leaders to explore how the internet economy is evolving - and the infrastructure powering its next chapter.
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1072. News: All about partnerships: Barclays x CommonAI, Monzo x Fair4All Finance, Stripe x Lloyds
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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1071. Insights: Fintech's coming home - The growing relationship between fintech and football
What do Arsenal, Manchester United, Nottingham Forest and the Home Nations football teams have in common? They're all partnering with fintech brands.
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1070. News: Enfuce report calls for more payment choice, Acquired backs UKPI, and TransferMate embraces stablecoins - Live from Money20/20 Europe
Host Ross Gallagher - Head of Ventures 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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1069. Insights: Can stablecoins escape the fintech bubble? - Live from Money 20/20 Europe
Are stablecoins actually breaking into the mainstream financial system - or are they still largely trapped inside the fintech bubble?
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1068. News: Monzo drops millions on growth, Mastercard and QNB expand into Syria, and Legacy rethinks charitable giving
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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1066. News: OpenAI enters finance, Revolut pushes into wealth, and Primer raises $100m
Host Kate Moody - Customer Strategy Director 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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1065: Insights: Is agentic AI the future of investing?
As AI moves from supporting investment decisions to making them, what happens to trust, accountability, and control?
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1064. News: Paymentology raises $175m, Alipay hands shopping to AI, and the FCA probes digital wallets
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.
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.
Fintech Marketing Podcast Season 2 Preview
Fintech Marketing Podcast Season 2: Coming soon
Fintech Insider Presents: After Dark - Open Finance: fact or fantasy?
After Dark - Open Finance: fact or fantasy?
What is Open Finance?
Banks are facing a lot of challenges compared to their fintech rivals.
11:FS Explores: Digital R.I.C.H.E.S ft. David M. Brear
11:FS CEO David M. Brear takes to the lightboard to give us the full run-down, with examples of companies that are leading the way.
Jeff Keltner from Upstart on what the future of lending will look like | Spotlight
What does the future hold for lending? Live from Lendit USA 2022.
What is UX and what makes UX good? 11:FS Explores
Will banks exist in 100 years?
What is Open Banking? | 11:FS Explores
In this episode of 11:FS Explores, Adam Davis picks apart Open Finance, and what we have to look forward to if this technology became a reality.
Unleashing creativity! A case study on sparking innovation with Bidyut Dumra from DBS | Spotlight
On this episode of Spotlight, 11:FS Crypto Global Strategy Director, Mauricio Magaldi is joined by Ramp Network Co-Founder and CEO, Szymon Sypniewicz. In today's chat, the pair discuss Szymon's career, the current regulatory landscape in crypto, and what the future might hold when it comes to widespread crypto adoption.
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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
