
This was originally published as a New Insights article on 12th January 2024 exclusively for 11:FS Pulse users on the Pulse platform. Given this week's news that NatWest has made its banking app available on Apple Vision Pro, we thought it would only be right to make it available for everyone.

Did I click-bait you into reading this? Relax, we are not shuttering 11:FS, just a small part of it.

Each week, Leda Glyptis, CEO of 11:FS Foundry creates #LedaWrites. This week her attention turns, once again, to women in financial services.

How cool would it be if you could subscribe to getting more wealth?

You know they say you shouldn’t start a diet and give up smoking at the same time? Or get married and start a new job? Or whatever?

Seven years ago, the first new retail bank in the UK in almost a century got its licence to open, as Chris Skinner noted in a recent blog post. Now, there are nearly 50 banks in the pipeline: app-only startup banks, foreign exchange payment cards, personal financial management apps, business accounts, and more. How are they all going to make money? And how will they differentiate themselves enough to win the hearts of customers? In episode 228 of FinTech Insider, we discuss with guests from FinTech challenger banks Fidor, Starling Bank, and Loot.

Every Thursday, Leda Glyptis, 11:FS Chief of Staff creates #LedaWrites. This week she turns her attention to innovation in big banks and why partners, vendors and many more should take caution when talking to innovation.

Core banking might not be the sexiest of subjects, but if you don’t get it right, your bank will suffer financially and lose its edge to the truly digital competitors coming your way. But how do you strengthen your core when you’re stuck with a Frankenstein legacy system? In episode 225 of FinTech Insider Insights, we break down what you need to do.

Last week, the Securities and Exchange Commission (SEC) in the US published an official report, following an investigation into a token sale by an organisation called The DAO, where it decided that these particular tokens the DAO were offering were in fact, securities and therefore subject to the requirements of the federal securities law in the US. Read the full story via Fintech Insider News here.

Each week, Leda Glyptis, CEO of 11:FS Foundry, creates #LedaWrites. This week, with the aid of Bryan Adams lyrics, on why the best is yet to come.

Right now, every company is tackling how to handle the move to remote working. We made a decision recently to not return to the office until November and wanted to share how and why we got there.

The ability to get users through the onboarding process quickly and painlessly has never been more in demand, with Signicat reporting an average drop-off rate of 52% during the onboarding processes of Europe’s retail banks in 2018.

The consulting firm CG42 recently reported that it expects the ten largest banks in the US to lose $159 billion in deposits to smaller competitors over the next year.

You may have noticed from our newsletter (sign up here) and podcast (listen here or click play just below) that we’re celebrating our second birthday at 11:FS. It’s also Fintech Insider’s 200th episode. So to make it extra special we’ve done a roundtable with some of the most vital people in the 11:FS team who don’t normally get behind a microphone.

Users of Pulse will no doubt be familiar with our visual design rating, which sits at the bottom of each post and gives our analysts’ view on a journey’s design strengths.

L. F. G. And Happy New Year! Mauricio and Catherine bring you our 2024 predictions. Alongside special guest Balaji Srinivasan, we revisit our 2023 predictions, see where we went right or wrong and look ahead to the key trends to look out for in 2024. All this and much more on today's Blockchain Insider!

We. Are. Here. Today we bring you: a live bonus episode! Mauricio Magaldi is joined live on stage at Blockchain Rio by some great guests from FEAT THE FUTURE and BLOCKFORCE to discuss blockchain for good. All this and much more on today's Blockchain Insider!

We. Are. Here. Today we bring you: a live bonus episode! Simon Taylor is joined live on stage at New York FinTech Week by some great guests, from Visa, EMTECH and The Digital Dollar Project, to discuss whether a US central bank digital currency is now inevitable. All this and much more on today's Blockchain Insider!

As we wrap up another rollercoaster year in fintech, 11:FS CEO David M. Brear is joined by some a panel of colleagues to talk about the biggest, best, and most outrageous happenings of 2023.

Benjamin Ensor and Rachel Pandyan are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: CaixaBank investing in 100-person team to work exclusively on GenAI, TikTok acquire Tokopedia following new social media laws, and Canapi launch a $750m VC fund to support fintechs.

L.F.G. Mauricio and Catherine bring you a deep dive into tokenised deposits on the blockchain. What they are, how they work and how they differ from CBDCs and stablecoins and the different ways to utilise each one. All this and much more on today's Blockchain Insider!

David Barton-Grimley is joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: Robinhood are coming to the UK... no, seriously this time, and Wise partner with Allica Bank to make cross-border payments easier for SMEs. Plus, if you're looking for a new family board game this year, head to your local Natwest branch.

David M. Brear is joined by financial services veteran, Ashok Vaswani, to discuss how he draws on his experience going forward and why he continues to put learning first.

Kate Moody is joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: Chase announce the launch of new payroll tools, J.P. Morgan upgrade their licence in Abu Dhabi, and BNPL fuels a record-breaking Cyber Monday.

David M. Brear is joined by some great guests to take a closer look at that tricky balance between managing regulation without compromising innovation in financial services.

L.F.G. Today we bring you a deep dive into identity on the blockchain - how it differs in web3 from web2, the benefits and challenges and how you can own your own identity online. All this and much more on today's Blockchain Insider!

Ross Gallagher and Rachel Pandyan are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: Alphabet could be investing in Monzo, Revolut open bond trading to millions of customers, and The Rock has launched a debit card.

David M. Brear joined by some great guests to talk about the one year anniversary of ChatGPT, how banks is utilising AI in its products and services, and how fintech can support the continued innovation of AI in finance.

David M. Brear and Rachel Pandyan, are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: HSBC pulls out of new markets in a bid to double down in Asia; Chip reach first monthly profit, and is Klarna taking on Shopify as it changes up its business model.

L.F.G. Today we bring you our 200th episode!! For this very special landmark we will be taking a look at the future of bitcoin; the developments on the Lightning Network; and the impact building on the bitcoin infrastructure will have for the future of cryptocurrency and how we interact with it. All this and much more on today's Blockchain Insider!

Hey, banks! This might sting a bit. You’re getting loyalty all wrong - and it’s costing you customers. But all is not lost!
The entire world is buzzing about AI, and that ain't changing anytime soon. But as AI becomes more integrated into our daily lives, what impact will it have on financial services and how people interact with them?
Ever wanted to know what’s going on behind the scenes every time we make a payment?
Regulation is essential. It stops banks from going bust or behaving badly.
The invention of the computer revolutionised banking in the 1950s.
Lending has been around for thousands of years and is one of the cornerstones of banking.
They're down, but they're not certainly not out.
Mastercard and Visa are the two biggest credit card networks in the world.
We kick off our Decoding: Banks series with a look at the banking landscape today and how we got here.

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

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...

