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
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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
647
podcast
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Fintech Insider

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.

44min listen
645
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Fintech Insider

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.

42min listen
644
podcast
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Fintech Insider

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!

52min listen
643
podcast
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Fintech Insider

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.

48min listen
165
podcast
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Blockchain Insider

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!

48min listen
642
podcast
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Fintech Insider

642. News: Kroo lands coveted banking license, while Credit Suisse found guilty of money laundering

David M. Brear 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: Kroo lands full banking licence, Credit Suisse bank found guilty over money laundering charges, and we answer questions from the Fintech Insider mailbag!

1h03 listen
641
podcast
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Fintech Insider

641. Insights: What does 'financial inclusion' actually mean?

Gwera Kiwana is joined by some great guests, from Spiralem, Observer Research Foundation and Jipay, to discuss the merits and challenges of financial inclusion.

46min listen
120
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Insurtech Insider

120. Insights: How can we build a transformative and inclusive future for insurance?

Nigel Walsh and John Bean are joined by a panel of guests from Innovate Finance and FinPro to talk through culture in insurance. All this and much, much more on today's Insurtech Insider!

57min listen
639
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Fintech Insider

639. How do we make financial services more LGBTQ-inclusive?

Benjamin Ensor is joined by some great guests, from 11:FS, Queer Money Podcast, Emerald Life, and Euphoria, to discuss the issues faced by the LGBTQ community when it comes to financial services.

47min listen
164
podcast
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Blockchain Insider

164. News: Crypto regulation gets real and Jay-Z launches a Bitcoin academy

EL. EF. GEE. Today we bring you: Key US senators introduce crypto bill outlining sweeping plan for future rules, the crypto community says the UK's FCA is finally starting to listen, and Jay-Z and Jack Dorsey launch 'Bitcoin Academy' at rapper's childhood home in Brooklyn. All this and much more on today's Blockchain Insider!

54min listen
638
podcast
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Fintech Insider

638. News: Allica bank raises for SMEs and Backbase raises to transform the back end of banking

Benjamin Ensor and Gwera Kiwana are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: SME lender Allica Bank secures £55m in equity and debt round, Backbase earns a €2.5bn valuation, and Deadmau5 is launching his own online bank

58min listen
637
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Fintech Insider

637. Insights: What can crypto learn from TradFi?

David M. Bear is joined by some great guests, from Fintech Business Weekly and Railsr to ask what can the crypto industry learn from traditional finance?

53min listen
635
podcast
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Fintech Insider

635. Insights: How can payments companies compete?

David M. Brear is joined by some great guests, from Truelayer, Binance and Banking Circle, live from Money 20/20 to discuss how payments companies are adding more to their offerings to stay ahead of the competition!

44min listen
163
podcast
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Blockchain Insider

163. Insights: Getting familiar with real world use cases

We. Are. Here. Today we bring you: a deep dive into real world use cases. We'll take a look at what real life use cases really means, cover some fantastic case studies and discuss what the role of wallets is within all of this. All this and much more on today's Blockchain Insider!

47min listen
634
podcast
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Fintech Insider

634. News: Alloy and Nova Credit partner to help migrants and green fintech initiative launched

Gwera Kiwana and Sim Rai are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: Nova Credit Teams with Alloy on inclusive business lending, world's first green fintech taxonomy launched, and Sex Pistols launch God Save the Queen coin and NFT collection.

52min listen
Video
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Open finance

What is Open Finance?

Banks are facing a lot of challenges compared to their fintech rivals.

6min watch
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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.

11min watch
Video
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Lending

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.

24min watch
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UX

What is UX and what makes UX good? 11:FS Explores

Will banks exist in 100 years?

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Open Banking

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.

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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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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
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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.
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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