Global

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Design Principles

Crafting impactful design principles

Throughout history, humans have found direction from statements of intent that suggest 'better' ways of living.

5min read
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BaaS

Why is BaaS so hot right now?

The first episode of our brand-new video series, Decoding: Banking as a Service, is live! If you missed it, catch up here. Here’s a rundown of the episode if you prefer reading to watching 📖

5min read
Article
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sustainable living

In defence of virtue signalling

Nothing’s worse than not having any options, but having too many can be just as bad.

5min read
Article
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BaaS

7 reasons Banking as a Service is a game changer

We now live in a world where almost anyone can build and launch innovative, regulated financial products as easily as they can create a Shopify page - that’s the magic of Banking as a Service (BaaS).

5min read
Article
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Goldman Sachs

Goldman Sachs is leaning into embedded finance: other banks should take note

As 11:FS wraps up its 5th year in business, we can’t help but think about what the next 5 will look like. And our ambitions are big. It’s only just on the right side of scary.

5min read
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Cashless

Is the future really cashless?

Richard Brown, CTO at R3, says that blockchain allows us to, for the first time, build systems and technologies that run between different organisations that don’t trust each other and bring them to consensus. This means potentially significant savings for financial services, especially in file reconciliation and manual activity. For blockchain to succeed in finance, multiple firms must work together, and Corda is helping to do just that.

5min read
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Cloud

Using the cloud to fly sky high above the competition

As we roll into 2018 thoughts inevitably turn to the big themes that we might expect (and hope) to see for user experience in the financial services industry this year.

5min read
Article
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SMBs

Jobs to be Done: How to help US SMBs keep their personal assets separate from their business finances

Jobs To Be Done (JTBD) is a theory. Its main aim is to explain why customers start - and stop - using different products and services in the market. Stripped down to the essentials, it’s a fairly straightforward concept first introduced by Harvard professor Clayton Christensen that can be adapted into a useful tool for product development.

5min read
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Town hall 27th July 2020: Business update from David

Good working culture is impossible without motivation. Therefore, it is essential to follow a model of organisation design that supports the conditions in which motivation can be maximised.

5min read
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Banking

Leda Writes for Fintech Futures: the stress of being stressed

Every Thursday, Leda Glyptis, 11:FS Chief of Staff creates #LedaWrites. This week she turns her attention to planning for the future, accountability and caring about everything.

5min read
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Engineering

An introduction to engineering in 11:FS Consulting

At 11:FS, we build digital financial services, primarily banks. ‘Bank’ is a very broad term, of course, and our focus on client needs and ‘Jobs To Be Done’ approach (“People don’t want a mortgage, they want to buy a house”), means that we rarely set out to build a pure bank.

5min read
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Banking

Leda Writes for Fintech Futures: the pretence of invincibility

Each week, Leda Glyptis, CEO of 11:FS Foundry, creates #LedaWrites. This week she ponders the difference between stress, and pressure - and the importance of acknowledging that stress without indulging it.

5min read
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User experience

Designing experiences and inspiring the makers. Clouston Mahon

Despite the astronomical price-tag and highly breakable look of early foldable phones, we can confidently predict a future of interesting new design challenges thanks to flexible screens.

5min read
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Culture

Leda Writes for Fintech Futures: living in a passive voice world

Every Thursday, Leda Glyptis, CEO of 11:FS Foundry creates #LedaWrites. This week she examines innovation, with a side order of Shakespeare.

5min read
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Culture

Leda Writes for Fintech Futures: storytelling for introverts

Each week, Leda Glyptis, CEO of 11:FS Foundry, creates #LedaWrites. This week she delves into her wardrobe to talk about t-shirts as a metaphor for life, love and work.

5min read
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podcast
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Blockchain Insider

77. Custody is Everything

We. Are. Here. Simon's joined by our great guests, Teana Baker-Taylor and John Detrixhe to discuss the latest and greatest news in blockchain.

1h03 listen
279
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Fintech Insider

279. News: It only works if you're alive

On this week's episode, Simon and Leda sit down with Livia Benisty and Ryan Edwards-Pritchard to discuss the latest and greatest news in fintech.

1h09 listen
278
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Fintech Insider

278. Fintech Insider: Live - Payments (F)innovation

David and Sarah bring you this special edition of Fintech Insider Live, recorded live at OP's Slush After Party at Pasilan Veturitallit, Helsinki. We have some of the best guests in the space and plenty of bad puns to keep you entertained.

48min listen
76
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Blockchain Insider

76. Vitalik Buterin

We. Are. Here. Simon and Colin are with one of the biggest names in the crypto world, Vitalik Buterin, to talk to him all about Ethereum and potential enterprise applications.

53min listen
podcast
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Fintech Insider

Bonus Sneak Peek: Vitalik Buterin, Founder of Ethereum

On this special bonus episode, Fintech Insider OG and Exec Producer Laura Watkins speaks to the people behind the podcast to find out how the show is made, and look back to some of the best bits from the past year.

2min listen
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Insurtech Insider

Insurtech Insider Episode 30: The Sexy Side of Insurance

On the latest episode of Insurtech Insider, David and Nigel sit down with Edel Ryan and James Burrows.

43min listen
277
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Fintech Insider

277. News: Sons of Breaches

On this week's episode, Simon and Ryan sit down with Menno van Leeuwen, Guy Stiebel and Paul Stamper to discuss the latest and greatest news in fintech.

1h02 listen
276
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Fintech Insider

276. Insights. Regtech: where innovation meets compliance

Sarah's hosting a great roundtable with some of the best experts on regtech to find out what matters most in the space and how technology is changing regulation.

53min listen
75
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75. Breaks the laws of the universe

We. Are. Here. Simon's joined by our great guest Anthony Macey to discuss the latest and greatest news in blockchain.

37min listen
275
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Fintech Insider

275. News: Ritual Humiliation

On this week's episode, Sarah and Simon sit down with Emily Nicolle, Valentina Kristensen and Sophie Winwood to discuss the latest and greatest news in fintech.

59min listen
274
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Fintech Insider

274. Insights: Open Banking - a never ending story?

Sarah's hosting a great roundtable with some of the people at the heart of Open Banking to find out what's been going on in the space since its launch in January 2018.

51min listen
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74. Enterprise-grade toddlers

We. Are. Here. Simon's joined by Sara to discuss the latest and greatest news in blockchain.

33min listen
29
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Insurtech Insider

Insurtech Insider Episode 29: Partnerships

On the latest episode of Insurtech Insider, Sarah and Nigel sit down with Arslan Hannani and Tim Attia to discuss insurtechs and incumbents partnering together.

51min listen
273
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Fintech Insider

273. News: The zombie account scenario

On this week's episode, Simon and Leda sit down with Dave Cunningham and Ryan Weeks to discuss the latest and greatest news in fintech.

1h14 listen
272
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Fintech Insider

272. Insights: Live! From Xerocon 2018

David and Sarah bring you this very special bumper episode, recorded live at Xerocon 2018 at the Excel Centre in London. We have some of the best guests in the space, an array of interviews and a special edition of Fintech Insider Live.

1h41 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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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