Global

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Why the future of fintech depends on empowering SMBs

While consumer-focused fintech has seen waves of innovation since the early 2000s, the small and medium-sized business (SMB) sector has remained comparatively underserved.

2min read
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Agentic AI is reshaping financial services

Unlocking agentic AI’s upside demands rethinking how humans and systems share control, rebuilding data and API foundations, and scaling autonomy in measured steps with rigorous human-style QA

10min read
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How digital payouts offer a competitive edge to insurers

In the highly competitive insurance sector, customer experience is a critical differentiator. While insurers focus on policy features and premiums, the claims payout process is often overlooked, creating a significant point of friction.

3min read
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Culture

I’ve incentivised innovation, why isn't my team innovating?

At one of our Truly Digital After Dark events, Anne Boden said “if you call yourself digital, you’re not digital”.

4min read
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Tackling fraud in real time: balancing speed and security

The term ‘technical debt’ has been around a long time in software engineering. It shares some common characteristics with financial debt: You can accumulate it, you can ‘pay it off’.

5min read
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5 fintechs to watch in Asia

The fintech scene in Asia is booming. In recent years, the region has developed rapidly, with a diverse array of startups and established banks transforming how financial services are delivered and consumed.

4min read
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How internal adoption fuels successful embedded finance solutions

Payments in the Middle East are evolving. The payments landscape in the Middle East has stood at an important tipping point for some time.

4min read
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We won Consultancy of the Year 2025!

The U.S. Treasury and the Office of the Comptroller of the Currency (OCC) both hit the headlines with fintech-related announcements. Treasury released a 222-page report on the subject of Nonbank Financials, Fintech, and Innovation, while the OCC almost immediately followed with the news that it would finally begin accepting National Bank Charter applications from fintechs, in line with Treasury recommendations.

3min read
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Execution is everything: Why speed x quality wins the day

How do I create the 5 year plan for 8 software releases a day? This is one of my favourite lines from an old school bank executive. It happened live on stage in front of 500 people when I made the point that challenger banks are now operating at 8 releases per day. It might seem nerdy, but why does it matter how often banks release new software?

5min read
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Are you selling or partnering with banks?

The fintech ecosystem is currently going through an exciting phase. Startups that were once considered young and immature like Monzo, Revolut, or Airwallex have grown into established financial companies. At the same time, incumbent banks are getting better at engaging and investing in fintech. The two worlds are converging and sparking new opportunities for partnerships.

6min read
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UX

Introducing the new Brand Page on 11:FS Pulse

Bonjour! Comment allez-vous? France’s fintech star is rising. With over 1100 of them based in the capital alone, junior minister Cédric O has promised that Paris will eclipse London as the fintech hotspot in Europe in the near-distant future.

3min read
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VR & AR: Transforming the Fintech Landscape

Asking the wrong questions will only ever lead to the wrong solutions. That’s why we lean into Jobs to be Done at 11:FS. It’s based on the notion that there’s no use in asking what the customer wants, because they don’t actually know. This is taken from our Unfiltered newsletter. Subscribe now for a no BS, uncensored analysis of fintech news and hot topics delivered to your inbox each fortnight.

4min read
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Wealth management

The forever banks - how private banks are still unfazed by disruption

11:FS has come a long way in a short time, and as the company has grown up, so must the branding. It's time to sit down, take stock of how we look and sound and fine-tune our identity.

5min read
792
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Fintech Insider

792. Insights: Putting services back into financial services

David M. Brear, CEO at 11:FS, is joined by our very own CTO Ewan Silver for a fireside chat to unpick what we mean when we say the services have fallen out of financial services.

40min listen
790
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Fintech Insider

790. News: Apple Pay face US lawsuit and Revolut keep banking licence hopes alive.

Ross Gallagher is joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: Apple launch open banking service in the UK, Revolut move closer to a banking licence, and Saga launch a savings platform for the over 50s.

1h08 listen
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Fintech Insider

789. Insights: The Six Characteristics of Digital Commercial Banking

David Barton-Grimley is joined by some great guests to unpack the six characteristics of digital commercial banking; real-time, standardised, automated, embedded, contextual, and extendable. We’ll explore what they are and how they can (or can’t) support a more efficient, reliable, and secure industry.

51min listen
788
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Fintech Insider

788. News: HSBC offer international credit history checks and Mercedes launch in-car payments.

Benjamin Ensor is joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: HSBC partner with Nova Credit to offer international credit history checks, Mercedes-Benz roll out in-car payments, and Standard Life launch a pensions dashboard.

1h05 listen
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podcast
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Fintech Insider

787. Insights: Why Should You Choose a Career in Financial Services?

Ross Gallagher is joined by some great guests to talk about recruitment in financial services, how today's applicants can stand out, and also what institutions can do to support diversity, equality & inclusion and create a culture for success.

53min listen
785
podcast
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Fintech Insider

785. News: After Dark: Monzo's £1 investments, solving financial inclusion, and is cash still king?

David Brear and Ross Gallagher are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: Monzo's new investment platform, India hit their financial inclusion targets 41 years early, and cash payments are on the rise.

46min listen
783
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Fintech Insider

783. News: Adyen’s new banking licence, Perfios’ raise, and the secret to fintech success

Laura Watkins is joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: Adyen get a UK banking licence, Perfios eye UK & US expansion, and a new campaign tackles the gender investment gap.

1h listen
782
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Fintech Insider

782. Insights: How should we measure success in fintech? (Rewind)

What is the best metric for measuring the success for fintech? In this rewind show from the archives, Benjamin Ensor is discussing the answer to that question, joined by some great guests, from Allica Bank, Anthemis, and This Week In Fintech.

45min listen
779
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Fintech Insider

779. Insights: What AI can and can’t do in financial services

David Brear is joined by a panel of experts from Cleo, Feedzai and Starling Bank to look at how financial services need to adapt to the changes brought by AI, where it can have the most influence and where the human touch is still needed.

55min listen
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Blockchain Insider

195. Insights: The current state of stablecoins

L.F.G. Today we bring you: a super interesting discussion on the current status of stablecoins in the US and beyond and with the launch of PYUSD from PayPal what might the wider impact be? Are stablecoins going mainstream? All this and much more on today's Blockchain Insider!

45min listen
778
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Fintech Insider

778. News: JP Morgan invests in Brazil, African funding passes £2bn, and M-Pesa enter Ethiopia

JP Morgan increases its investment in Brazilian neobank C6, as Goldman Sachs sells its PFM unit, African fintech investment surpasses $2 billion, as M-Pesa enter Ethiopia for the first time. Benjamin Ensor and David Barton-Grimley are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including Sarah Kocianski and Samee Zahid from Chipper Cash.

1h07 listen
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Fintech Insider

775. News: Ramp raises $300m, Goldman returns to the rich and Monzo tops the charts

Ramp raises $300M (and that's a down round!), Goldman Sachs plans sale to concentrate on the ultra-wealthy and Monzo is named best bank - Kate Moody and Benjamin Ensor are joined by some great guests from CCG and Lightyear to talk about the most interesting stories in financial services over the last 7 days.

59min listen
774
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Fintech Insider

774. Insights: How are financial services players using blockchain?

David Brear is joined by some great guests from Fireblocks, DigitalX and Moniflo to talk about how financial services are actually using blockchain technology and how they choose an option that works best for them.

53min listen
194
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Blockchain Insider

194. Insights: What is the impact of AI on social media and web3?

L.F.G. Today we bring you: a super interesting discussion on the impact AI software and AI generated content can have on the world of social media, and where the overlaps with the crypto space live, and how to make this safe for consumers. All this and much more on today's Blockchain Insider!

50min listen
773
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Fintech Insider

773. News: Mastercard pushes in to Africa with MTN deal and niche banks are on the rise

Mastercard takes minority stake in MTN, rental platform Fronted closes down, and Bank Of Ireland customers go crazy for ATM glitch – Benjamin Ensor is joined by some great guests, from Anthemis, Cornerstone Advisors, and Ebanx, to talk about the most interesting stories in financial services over the last 7 days.

51min listen
Video
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Decoding

What are fintechs? - Decoding: Banks

Ever wanted to know what’s going on behind the scenes every time we make a payment?

12min watch
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Decoding

How does banking regulation work? - Decoding: Banks

Regulation is essential. It stops banks from going bust or behaving badly.

12min watch
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Decoding

How has software evolution influenced banking? - Decoding: Banks

The invention of the computer revolutionised banking in the 1950s.

11min watch
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Lending

How does lending work? - Decoding: Banks

Lending has been around for thousands of years and is one of the cornerstones of banking.

11min watch
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Decoding

How can traditional banks win on the banking battlefield? - Decoding: Banks

They're down, but they're not certainly not out.

15min watch
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Decoding

How do card networks operate? - Decoding: Banks

Mastercard and Visa are the two biggest credit card networks in the world.

13min watch
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Decoding

How has the banking battlefield evolved? - Decoding: Banks

We kick off our Decoding: Banks series with a look at the banking landscape today and how we got here.

13min watch
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11:FS Explores: Legacy banking systems ft. David M. Brear

David M. Brear, our 11:FS CEO, takes us through legacy technology within banks - but of course, with a really cool Lightboard.

7min watch
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Minimum Lovable Brand | 11:FS Explores

5min watch
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Fintech Marketing Podcast Season 2 Preview

Fintech Marketing Podcast Season 2: Coming soon

4min watch
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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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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