Content Hub
.svg)
.svg)
Global
What is embedded finance?
While FinTech folk salivate – and the big banks bloviate – about PSD2 and the open banking reforms coming our way in 2018, we wondered whether those outside of this bubble will actually notice? What does PSD2 actually mean for customers?
The future of banking: all paths lead to lending
A Black-owned bank is defined as one in which at least 50% of voting shares are owned by African-Americans. They’re a dwindling force in the States today.
Crafting impactful design principles
Throughout history, humans have found direction from statements of intent that suggest 'better' ways of living.
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 📖
In defence of virtue signalling
Nothing’s worse than not having any options, but having too many can be just as bad.
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).
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.
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.
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.
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.
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.
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.
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.
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.
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.
763
763. News: Buy Now Pay Later regulation shelved while Coutts faces Farage account fallout
Buy Now Pay Later regulation shelved in UK, Thunes pockets $72M, and Farage accuses Coutts of closing account over ‘values’ – Ross Gallagher and Nas Ahmad are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days.
762
762. Insights: Three lessons learned from financial services in 2023 so far
Benjamin Ensor is joined by some great guests, from 11:FS, Innovate Finance, and TwentyOne to talk about the biggest lessons for financial services in the first half of 2023.
760
760. News: Public lands in the UK and Solaris raises €38 million
Investment platform Public launches in the UK, Solaris raises to focus on core values, and Martin Lewis 'sickened' by deepfake investment scam – Kate Moody is joined by some great guests to talk about the most interesting stories in financial services over the last 7 days!
191
191. Insights: Rewind: How do you know it's web3?
EL. EF. GEE. Today we bring you: A rewind look into 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!
758
758. News: Is Goldman Sachs breaking up with Apple?
Goldman looking for a way of Apple partnership, Visa $1 billion buyout of Brazil's Pismo, and UK banks warned against closing accounts – Kate Moody and David Barton-Grimley are joined by some great guests, from Fintech Business Weekly and Spiralem, to talk about the most interesting stories in financial services over the last 7 days.
757
757. Insights: Can financial services change how people think about money?
Kate Moody is joined by some great guests, from 11:FS, Nationwide, and Plum, to discuss how banks and fintechs can shape how customers manager their finances.
756
756. Focus: What are US VCs looking for in today’s market?
David M. Brear is joined by some great guests from Visa, Mana Tech, and Commerce Ventures, to discuss the opportunities and challenges in the fintech market in the United States of America.
755
755. News: PSD3 unveils plans to shake up Open Banking
The European Union unveils new open banking rules, Wise announces bumper profits, and Robinhood buys X1 – Ross Gallagher and Benjamin Ensor are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days.
754
754. Insights: How do we get to the holy grail of cross border payments?
David M. Brear is joined by some great guests, from Citi and JP Morgan, to delve into the developments, friction, and potential future of cross-border payments.
190
190. Insights: AI and chatbots are shaking up the crypto space
EL. EF. GEE. Today we bring you: A look into the growing prevalence of chatbots in the crypto industry and how that could look in the future. All this and much more on today's Blockchain Insider!
753
753. News: Banks are in an AI talent war and Revolut launches the 'Ultra' account
European banks are putting "AI" in 30% of their job ads, Majority bank opens community meeting space for new migrants, and Gen Z need lessons on how to behave in the corporate world – Benjamin Ensor and Ross Gallagher are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days.
752
752. Insights: How does Big Tech shake up the payments industry?
David M. Brear is joined by some great guests, from Clearbank, Mastercard, and Thredd, to discuss the relationship between Silicon Valley giants and the payments space.
750
750. News: Andreessen Horowitz lands in London and HSBC rebrands Silicon Valley Bank UK
a16z to open first international office in London, HSBC builds innovation division from the bones of SVB UK, and Snoop Dogg launches NFT tour pass – Ross Gallagher and Benjamin Ensor are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days.
749
749. What is Anne Boden’s legacy in fintech? (rewind)
David M. Brear is joined by Anne Boden, CEO of Starling, in this interview from the archives!
743
743. News: Revolut's banking licence in jeopardy and Anne Boden departs Starling Bank
Bank of England plans to reject Revolut's bid for banking licence, Brite Payments launches instant payments network, and Daylight calls it quits – Kate Moody and Ross are joined by some great guests, from Brite Payments and Fifth Third Bank, to talk about the most interesting stories in financial services over the last 7 days.
960
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
960
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
960
Insights: The future of Revolut with UKCEO Francesca Carlesi
