Global

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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
Article
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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
Article
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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
Article
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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
Article
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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
Article
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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
Article
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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
Article
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Banking

Leda Writes for Fintech Futures: friends in low places

Every Thursday, Leda Glyptis, CEO of 11:FS Foundry creates #LedaWrites. This week she has the topic of innovation in her crosshairs.

5min read
Article
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Banking

Leda Writes for Fintech Futures: tell it cos it's a good story

Every Thursday, Leda Glyptis, CEO of 11:FS Foundry creates #LedaWrites. This week it's the big sleep - not a Raymond Chandler book review, rather a look at payments innovation.

5min read
Article
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Banking

Leda Writes for Fintech Futures: on getting a job, but finding love. Every bloody time.

Each week, Leda Glyptis, CEO of 11:FS Foundry, creates #LedaWrites. This week, she tells us why giving the people building your future a reason to believe in you and your right for a future is the corporate version of making your bed each morning.

5min read
Article
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11:FS

My productivity hack: self-reflection and setting priorities

The research on retail payments that I have done over the past couple of months had me thinking about my own payments journey and left me wondering how my own behaviour has evolved and what drove me to make such payments?

5min read
Article
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Banking

Leda Writes for Fintech Futures: another trip around the sun

Every Thursday, Leda Glyptis, 11:FS Chief of Staff creates #LedaWrites. This week she recounts tales of bad bosses and the lessons learned.

5min read
1107
podcast
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Fintech Insider

1107: Insights: Can banks turn high earners into wealthy customers?

Earning a good salary doesn't necessarily mean building wealth. For a growing group of high earners, often referred to as HENRYs (High Earners, Not Rich Yet), the journey from financial success to long-term wealth can be surprisingly difficult.

48min listen
1106
podcast
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Fintech Insider

1106. News: ASOS hit by cyberattack, UK finance eyes tokenisation, and can open banking help tackle credit exclusion

Host Ross Gallagher- Head of Consulting at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.

64min listen
1105
podcast
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Fintech Insider

1105. Insights: Who owns the banking relationship in the AI era?

As AI becomes another interface between customers and their money, could banks lose their place at the centre of the financial relationship?

46min listen
1104
podcast
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Fintech Insider

1104. News: Nubank rules out Monzo takeover, Checkout.com opens the books, and Ramp hits Broadway

Welcome to this week’s Fintech Insider News podcast, where host Benjamin Ensor is joined by expert guests to unpack the biggest fintech and financial services stories of the week - and, for this week only, a little bit of theatre, darlings.

56min listen
1102
podcast
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Fintech Insider

1102. News: Amazon blocks Meta’s AI agent, Ryft raises £20m, and Sprive bags $10m

About this episode: Host Laura Watkins - Director of Media and Marketing at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's guests: Sadra Hossein

56min listen
1101
podcast
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Fintech Insider

1101. Insights: Why does your financial life reset when you move countries? With Paymentology

About this episode: Moving countries has never been easier. But what happens when your financial identity doesn’t move with you? Host Benjamin Ensor is joined by Merusha Naidu, Global Head of Partnerships at Paymentology, Ibrahim Oladele

49min listen
1100
podcast
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Fintech Insider

1100. News- After Dark: Nubank takes on the US, Monzo Aura launches, and can you trust AI with your money?

Our expert host David M. Brear, CEO at 11, and co-host Kate Moody, Customer Strategy Director at 11, present a very special edition of Fintech Insider News live from Village Underground in London.

61min listen
1098
podcast
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Fintech Insider

1098. News: Chime buys Stride Bank, Molten raises £175m, UBS puts AI on the job spec

Host Ross Gallagher - Head of Consulting at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.

65min listen
1096
podcast
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Fintech Insider

1096. News: Singapore puts $173m behind fintechs, Plum picks Upvest, and US regulators tighten the rules

Host Benjamin Ensor - Director of Research and Strategy at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.

55min listen
1095
podcast
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Fintech Insider

1095. Insights: Is financial services failing Gen Z?

Gen Z is often told it needs to get better with money. But with younger people facing a very different economic reality, does Gen Z really have a financial literacy problem — or does financial services have a Gen Z problem?

50min listen
1094
podcast
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Fintech Insider

1094. News: UK fintech funding hits a decade low, NatWest backs accessible banking, and Pay.com.au takes on America

Host Kate Moody - Customer Strategy Director at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.

59min listen
1093
podcast
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Fintech Insider

1093. Insights: What it’s really like to start a fintech in 2026

Starting a fintech has never been easier but has building a successful one ever been harder? Host David M. Brear is joined by Fatbardha Rino, CEO of Jet Bank, and Herbie Wildwood, Founder of Legacy, to explore what it really takes to build

42min listen
1092
podcast
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Fintech Insider

1092. News: Finally, the robots take over: Starling gets smarter, Stripe buys OpenRouter, and Visa and Mastercard unite on agentic payments

Host Laura Watkins - Director of Media and Marketing at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.

58min listen
1090
podcast
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Fintech Insider

1090. News: Can anyone stop Revolut? Can Countingup and Griffin tackle SME pain? Can the FCA help UK fintechs scale?

Host Ross Gallagher - Head of Consulting at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.

56min listen
1088
podcast
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Fintech Insider

1088. News: Visa bets $2.4bn for BioCatch, InvestiFi raises $20m, and HSBC pulls back in Australia

Host Benjamin Ensor - Director of Research and Strategy at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.

55min 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

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
-
fintech Insider

Insights: The future of Revolut with UKCEO Francesca Carlesi

1h2 listen