Global

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Blockchain

Open Source: Token Best Practice

Organisation design is essential in building a strong working culture. Getting it wrong can cause a domino effect of problems and inefficiencies across a business.

5min read
Article
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AI

AI in banking is all about risk management

It is the nature of finance that, at its core, is risk.

5min read
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Podcast

Rod Drury on Xero's origin story, new partnerships & Xerocon

Here at 11:FS we’re big on transparency and letting you know what’s going on in our company. We’ve recently made a huge hire to be our COO and we couldn’t be more excited about it.

5min read
Article
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Blockchain

A global currency is coming, whether you like it or not

I was at a big bank’s conference the other day and was intrigued at how often the subject of cryptocurrencies and bitcoin came up.

5min read
Article
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Banking

Top 11 mobile banking features that your customers will love

Of course, these are our top 3 blogs of 2018. We took a look at the data, talked amongst ourselves about which ones we liked best and came up with the best blogs we’ve put out this year.

5min read
Article
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APIs

Don’t be too blasé about people loving Fintech

Disclaimer: Yes the piece is entirely structured around the lyrics of a Pulp song. Yes, we take requests.

5min read
Article
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Blockchain

Lessons from the Ice-Block King, Part II

I do not profess to be, as way too many in the tech industry do today, a blockchain guru or subject matter expert. I leave that designation to 11:FS co-founder Simon Taylor. Simon is the MacGyver of the blockchain community. Give him a stapler, a can of Bud Lite, Duct Tape, and a flashlight, and he will somehow concoct a DLT smart contract solution for a client. A solution that can actually be delivered and that addresses a real business case.

5min read
Article
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Blockchain

Block.one on EOS, token sales and decentralisation

Simon Taylor interviewed block.one CEO and CTO Brendan Blumer and Daniel Larimer at Blockchain Live, to find out more about what block.one does and their new project, EOS that achieved $50omillion in fundraising.

5min read
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Podcast

Stephen Barclay, MP, on UK fintech, Brexit and how fintech can help governments

One of the biggest challenges when building new digital financial services is creating a winning feature set. Spending categorisation, budgeting tools, carbon footprint-tracking — these features are everywhere in the financial services apps that we use every day.

5min read
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Fintech Insider

Notes from a fintech tourist

Sarah Kocianski sits down with the CEO of Oakam, Frederic Nze to talk about financial inclusion, tackling financial exclusion, the alternative to doorstep lending, and the underbanked.Listen to the full interview here or click play below, otherwise read on for a quick take on what was said.

5min read
Article
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Podcast

Flux Founders on Digital receipting and Fintech partnerships

In a beautiful flat on the edge of San Francisco’s sun-kissed Inner Sunset neighbourhood, the inimitable Sam Maule invited a plethora of fintech experts over for dinner. Across two evenings in the run up to our After Dark San Francisco show, Sam serves up chilli, tacos, and foodie fintech insights. You can listen to them here and here. Disclaimer: The food was actually cooked by Ollie Judge, Head of Media at 11:FS.

5min read
Article
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Mobile banking

11 Mobile Trends That Will Delight Your Customers

At 11:FS, we spend a lot of time looking at next-generation mobile trends and technology. Every now and again we come across a product or feature that just blows us away. It can be as simple as a smart integration with another product or as complicated as a whole app that’s powered by bleeding edge technology.

5min read
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Banking

Want to see the best digital banking experiences on the market?

“Thank you to the Academy…” Sure. Classic Oscar speech energy.But do you know what hits harder than a polite golf clap from a panel of judges? Winning when your actual customers vote. And that’s what happened at the 2025 British Bank Awards, where 11:FS was named Consultancy of the Year. Again! 2019. 2020. 2021. 2023. And now 2025.

5min read
Article
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Banking

The digital transformation journey

In her latest column for Forbes, 11:FS Head of Research Sarah Kocianski examines the new set of authentication procedures and how they are being implemented by UK banks.

5min read
Article
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Blockchain

Lessons from the Ice-Block King, Part One

11:FS are pleased to announce that Lisa Gansky joined us as a Non-Executive Director, on 3rd July 2017.

5min read
podcast
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Blockchain Insider

Bonus: The future of interoperability

We. Are. Here. At Barclays Rise for the ION Hackathon. Clearmatics are doing a special bonus episode with us covering the day's events. We've got a bumper pack of interviews for you including conversations with some of the hackathon teams, including some very youthful competitors.

43min listen
297
podcast
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Fintech Insider

297. News: Talking poop

We're switching things up a bit for this episode, our US host Sam Maule was in the UK with fellow Americans (and American experts) Teana Baker-Taylor, Alexa Fernandez, Joaquin Ayuso de Paul and Mark Miesner to go over the best US stories of the past week. We bring you: The latest developments in the BB&T and Suntrust super-merger, Chime rings the changes as 10k new users sign up in 24hrs and Mastercard’s new sonic identity that’s going on tour.

1h02 listen
296
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Fintech Insider

296. After Dark: Digital Love

We have an incredible After Dark episode for you. It's the first we've done in a while and sets the tone for what we believe will be the key aspects of fintech in 2019. Partnerships and digital love between banks and fintechs, two (or more!) companies coming together and working together to make each other stronger.

1h09 listen
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Blockchain Insider

84. Does anyone need a blockchain?

We. Are. Here. Today we bring you: Dormant funds, the SEC still won’t let crypto be and do you really need a blockchain?

52min listen
295
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Fintech Insider

295. News: The Revolut will be advertised

David and Simon are joined by Iona Bain, Mel Palmer, Viktor Nebehaj and Saumeel Pachigar to chat through the biggest stories of the last 7 days. Including: Revolut’s Valentine’s day ad scandal, the banking backlash Down Under and BB&T's super merger and much much more.

59min listen
294
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Fintech Insider

294. Insights: Money and Mental Health

Sarah Kocianski's joined by some of the people involved in the heart of Money and Mental Health awareness, education and support. They are looking for solutions to the very real problems that the subject of money can cause when it comes to people’s mental health.

38min listen
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Blockchain Insider

83. Custody is still everything

We. Are. Here. Today we bring you: Facebook take a step forward in the blockchain world, Fidelity get ready to disrupt the crypto market and custody is still everything

46min listen
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Insurtech Insider

33: Fraud in Pet Insurance

We are going to be talking about the pitfalls of pet insurance and the lengths fraudsters go to in an attempt to profit off insurers. We also examine what insurers are doing to combat fraud in the pet insurance industry.

39min listen
293
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Fintech Insider

293. News: Ain't nothing but a GFIN

Today we bring you: China’s app map allows you to dob in deadbeat debtors, Lloyds’ bring back 100% mortgages and HSBC’s new sound identity.

1h11 listen
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Blockchain Insider

82. Everyone’s Warren Buffet in a Bull Market

We. Are. Here. Today we bring you: Chat app Kik in SEC “Royal Rumble”, Multicoin declares victory after losing 1/3rd of capital and long Bitcoin, short the bankers...?

59min listen
291
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Fintech Insider

291. News: My relationship is contactless

Today we bring you: Snoop Dogg investing in Klarna, Square launches a debit card for business and digging deep into the Aussie banking scene.

1h11 listen
290
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Fintech Insider

290. Interviews: Reuben Lai, Grab Financial Group

Simon interviews Reuben Lai to talk about taxis, ride-hailing and transforming into a fintech

21min listen
81
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Blockchain Insider

81. The Best Anti-blockchain Blockchain idea

We. Are. Here. Today we bring you: ConstantiNOple, a look at if Bitcoin was manipulated and you can track your Cobalt on a Blockchain, who knew?

37min listen
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Insurtech Insider

32: Helene Stanway and the latest news

We are going to be talking about the recent merger between AXA and the XL group and new division’s digital initiatives with Helene Stanway, Digital Leader at AXA XL.

49min listen
289
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Fintech Insider

289. News: Meaningful Merging

Today we bring you: Fiserv acquires First Data in a $22bn deal, The Fed has Reservations about Fintech and finally, Greggs vegan sausage roll helps its stock rocket on Freetrade. All this and much much more on today’s show

1h09 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.

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.
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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

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