
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.

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!

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.

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.

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?

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.

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

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.

“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.

We asked some of the 11:Mamas what they think we do. Here's how that went.

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.

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.

Nigel Walsh and David Brear are joined by a panel of guests to talk through the latest news in the insurtech and insurance world including Lemonde goes public and the Post Office brings back travel insurance...with coronavirus cover! All this and much more on this week's Insurtech Insider!

Sam Maule and David Brear are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Wirecard “loses” €1.9 billion, the US banking sector is seeing huge growth, despite (or because of) the pandemic and Goldman Sachs’ CEO makes a cameo in 'Billions'.

Sam Maule is joined by some great guests to talk about PPP lending during the COVID-19 pandemic. On today's show we are taking a look at the process from the lenders perspective!

Jason Bates and Simon Taylor are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Goldman Sachs teams up with another tech giant as it launches credit lines on Amazon, Monzo raise funding but lose valuation and WhatsApp launches payments in Brazil. All this and much much more on today's FIntech Insider News.

Sam Maule is joined by some great guests to discuss the state of the underbanked in the US and how COVID-19 is affecting this group of underserved people.

Sarah Kocianski and Nigel Walsh are joined by a panel of guests to talk through life insurance during the pandemic. Does your existing life insurance policy cover you during the pandemic?

Sarah Kocianski and Ross Gallagher are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Vivid Money launches digital banking services in Germany; the pandemic savings surge forces Goldman to shut Marcus to new UK clients; and Islamic finance startup Wahed closes $25M funding round to grow their Saudi Arabia hub.

Sarah Kocianski is joined by some great guests from Equinix, Mastercard and RTGS to discuss the long-term business transformation and the need for agile infrastructure in financial services organisations in response to the COVID-19 crisis.

Leda Glyptis and Simon Taylor are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Financial services community take a stand in support of Black Lives Matter; Starling and Marqeta’s new raises; and TrueLayer team up with the UK Government on Open Banking.

Adam Davis and Sarah Kocianski are joined by some great guests to discuss open finance - what it is, how is could work and what learnings it could take from open banking, with an expert panel of guests from Plaid, RBS and the OBIE.

Sarah Kocianski and Nigel Walsh are joined by a panel of guests to talk through the latest news in the insurtech and insurance world including drones for the NHS and some big funding rounds despite COVID-19!

Sam Maule and David Brear are joined by some great guests to talk about some of the most interesting US news stories of the last 7 days, including: Shopify’s many new announcements and move into fintech; Bank of America leak exposes business details of PPP relief applicants as applications across the board decline; and Animal Crossing offers new ways for people to make money in lockdown.

Sam Maule is joined by Arlan Hamilton, founder and managing partner of Backstage Capital to talk VC funding, underrepresented founders and her new book It's About Damn Time.

David Brear and Simon Taylor are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: The challenges facing challenger banks in the current climate, Freetrade’s record-breaking raise and PayPal sees a rise in 'silver tech' as older generations test digital payments for the first time. All this and much more on today's episode!

Jason Bates and Simon Taylor are joined by 3 great guests to talk about digital identity. What do we mean by digital identity, and how does it differ around the world? Listen on to find out!

The UK banking battlefield has never been more competitive. Customers expectfinancial apps that are personalised, seamless, and that genuinely make a differenc...


The UK banking battlefield has never been more competitive. Customers expectfinancial apps that are personalised, seamless, and that genuinely make a differenc...

