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
113
podcast
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113 News: Is Cash Dying?

In this episode In a fun packed episode, David is joined by regular guest Ghela Boskovich, alongside Edward Maslaveckas, Jeff Tijssen […]

50min listen
112
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112. Interview – Laurent le Moal, CEO, PayU

In this episode Jason Bates interviews Laurent le Moal, CEO of PayU, the leading online payments provider, dedicated to growth […]

16min listen
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Blockchain Insider

2: Tokenomics, FOMO and $566M in a month

Simon and Colin are back for Episode 2 and joined by Maya Zehavi for the news and later on they interview William Mougayar on all things tokens.

50min listen
274
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274. News: Digitising Pocket Money

In this episode David and Simon are joined by regular Sarah Kocianski, and RFi and Sky News Australia’s Chloe James, […]

59min listen
273
podcast
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273. Interviews – Rita Liu & Edward Budd

In this episode From last week’s magnificent Money20/20 Europe, Jason interviews Rita Liu, Head of Alipay (Europe, the Middle East and […]

20min listen
podcast
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Blockchain Insider

Blockchain Special Part 3: EEA and ZCash

We. Are. Here. On...Fintech Insider. Simon's cutting across the podcasts to give a sneak preview on one of the biggest interviews of the year.

1h08 listen
podcast
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Blockchain Insider

Blockchain Special Part 2: Consensus Recap

In the third of our three part Blockchain Special, Simon and Colin are joined by some very special guests to discuss EEA, ZCash and the potential similarities between blockchain and the rise of cryptocurrencies and the dot-com bubble in the 90s, and asks the question: “Why should we be paying attention?”. They also debate the anonymity of blockchain and user privacy; and centralisation vs decentralisation in blockchain APIs - do we still need the middle man?

51min listen
podcast
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Blockchain Insider

Blockchain Special Part 1: Tokens

Part 2 of our Blockchain Special, Simon and Colin with a roster of fascinating guests focus on the recent Consensus conference. We cover what the conference is, who should be attending and where it means to the industry. We give you a crash course on the difference between cryptocurrencies and DLT, what the main impacts ledger technology will have on banks and what is causing the major spikes in crypto currency prices right now.

1h22 listen
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Blockchain Insider

1: Ongoing Token Madness

Welcome to the first ever Blockchain insider - this is the show for all your Blockchain and DLT needs.

55min listen
269
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269. Interview – Ali Niknam, CEO of Bunq

In this episode Simon interviews Ali Niknam, CEO of Bunq, who firstly, tells us all about where the name Bunq […]

24min listen
266
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266. Insights – RFI Global Banking Summit

In this episode: We bring you the highlights from the RFI global banking summit where we were lucky enough to […]

55min listen
265
podcast
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265. News: Guess who’s back?

In this episode David is back! He and Aden are joined by regulars Liz and Sarah for the news. This […]

58min listen
264
podcast
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264. Interview – Daphne de Kluis – CEO of Commercial Banking, ABN AMRO

In this episode Jason interviews Daphne de Kluis, CEO of commercial banking at ABN AMRO, the Dutch banking giant. Speaking at […]

19min listen
263
podcast
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263. News: Dodd Frank, Trump, Elections, Unicorns – what didn’t happen this week?

In this episode Simon and Aden are joined by regulars Ghela and Sarah for the news. This week we discuss all […]

56min listen
261
podcast
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261. Interview – Paul Lipman, CEO of Bullguard

In this episode David interviews Paul Lipman, CEO of Bullguard, the consumer cyber security experts. Following very topical compromises of […]

23min listen
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
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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

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