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What's in a Sandbox?
For those of you in a rush, there’s a TL;DR at the bottom of the page. For everyone else 11:FS Co-Founder Simon Taylor, has written a great deep dive for you into the regulatory sandbox: why it’s necessary, what it is, what it’s achieved so far, and most importantly a close look at the fourth cohort.
Digital Banking is only 1% Finished, Seriously
In this weeks’ Fintech Insider we have an interview with author, CEO, blogger, and fintech insight extraordinaire, Chris Skinner! We grabbed Chris and took him to the pub for a drink and a quick conversation on his new book Digital Human. Listen to the interviews in full on Fintech Insider here, stream it below or read on for a few key insights.
Reimagining Processes and Culture in Business
In my entire career to-date, I never heard a vendor describe themselves as simply a vendor. We do a thing, you pay for the thing, we shake hands and go our separate ways.
What happened to gamification?
As we emerged from lockdown(s) and started meeting in person, banks, fintechs and FS companies of all shapes and sizes had been busy doubling down on their digital efforts.
Machine Learning: Discover Your Problems Before They Happen
We knew we had to pull out all the stops for the first IRL After Dark since records began. Well, March 2020.
FCA Sandbox leads regulation
As Policy Director of the Financial Conduct Authority, David Geale is responsible for policy across financial services, from consumer credit through to senior exec accountability in banks, and many things in between. He spoke to FinTech Insider about the FCA’s focus on innovation.
One Fintech Nation: Bringing the Nation Together - The Network Effect
It’s week 3 of our One Fintech Nation series in association with Tech Nation. Here’s a quick review of our latest incredible podcast episode looking at how Fintech is a force for good. As you’ve seen in recent posts on fintech inclusion it’s an issue close to our hearts here at 11:FS. You can/should/need/have to listen to it now.
The biggest problem of all, is not knowing what it is
Traditionally, tech teams place their QA function outside of core development. They form entire herds of QA people that come at the end of a feature being developed and do what they can. Most of the time they’re not even based on the same floor, or they’re outsourced entirely. But why is this?
Jobs to be done: Commoditised products have no purpose
This is the fourth instalment of a 6 part series that explores the Jobs to be Done (JTBD) for US SMBs that we identified in our recent research. Each blog post explores one of the jobs and how we examined it with a JTBD canvas. If you missed the first post that explains JTBD and the canvas, check it out before reading this.
11 Biggest Fintech Stories of Q2 2018
There’s a sweltering heat wave hitting the city and I’ve never been so thankful for the office air conditioning. We’ve just entered July, everyone’s moving onto their Q3 targets and writing reports on Q2. So what happened in Q2 for the fintech world? And where are we about to go for Q3? I take a look at the 11 biggest stories that happened in fintech over the last three months.
The problem with SMB finance is…everything
China has long been on the radar of those with ambitions of marrying technological innovation with a payments-savvy population of big spenders. Traditionally, though, China’s economy had been centrally-planned, driven by investment and built around large state-owned enterprises (SOE). Banks had focused mainly on providing services for these SOEs, under-serving SME and retail consumers. So, naturally, with Alibaba and Tencent so successfully serving other areas – e-commerce and social media respectively – it should come as no surprise that they’ve found themselves filling this vacuum.
Amazon teams up with American Express for SMBs
You can catch the full Fintech Insider take on the news today at 4pm on the podcast here. Sticking to our Monday news blog format, we’re going to take a close look at one of the most interesting stories of the week’s show. For analysis straight from industry experts subscribe to our podcast! Fintech Insider host and 11:FS co-founder Simon Taylor sits down with Freddy Kelly, Veronique Barbosa, Tanya Andreasyan, and Philip Clarke to discuss the news, including Amazon teaming up with American Express for SMBs.
One Fintech Nation: Fintech for Good
Today we’ve got the second in our four part mini-series on fintech in the UK with Tech Nation (go listen to the first one here if you haven’t already). Our latest episode on uniting the fintech kingdom focuses on what makes the UK such a unique regulatory environment. We also take a look at whether Brexit will remove the UK’s fintech crown. This post is just a little teaser for what’s coming out at 4pm today. In our podcast we examine why UK fintech is so attractive and how to keep the flow of talent and companies coming in. You can/should/need/have to listen to it asap.
Jobs to be done: Design, Test, oh shit...
This is the fourth instalment of a 6 part series that explores the Jobs to be Done (JTBD) for US SMBs that we identified in our recent research. Each blog post dives into one of the jobs and how we examined it with a JTBD canvas. If you missed the first post that explains JTBD and the canvas, check it out before reading this.
Wellbeing: How Mental Health Impacts Everyone
There’s a lot of recession talk at the moment. Are we entering the next recession? Are we already in it? We all remember the 2008 financial crisis, and, more recently, the Covid-19 pandemic and lockdowns, and all the financial trouble they caused.
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200. Insights: The future of bitcoin
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!
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802. News: Crowdcube acquire Semper and OakNorth do business banking
Ross Gallagher is joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: Crowdcube acquires Semper, Adyen and Plaid team up in the US, OakNorth move into business banking, and N26 pulls out of Brazil.
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801. Insights: How does climate change impact fintechs?
Kate Moody is joined by some great guests to talk about how climate change is impacting fintechs, and how fintechs are supporting other businesses to achieve their climate goals.
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800. News: US big banks team up to launch Paze, and Atom Bank raise £100m in equity funding
David Barton-Grimley and Kate Moody are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: A joint venture from the biggest US banks launch digital wallet Paze, Atom Bank raise £100m in equity funding, Railsr are making a comeback, and Deutsche are closing nearly half of their branches.
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199. Insights: Real world assets on-chain: changing the future of ownership
L.F.G. Today we bring you a look at Real World Assets (RWAs) - what they are, discuss some of the use cases of tokenized RWA we’re seeing today, the pros and cons of bringing RWA on-chain, and where this emerging market is headed. All this and much more on today's Blockchain Insider!
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798. News: JP Morgan's former fintech lead launches TodayPay and Airwallex target LATAM
Benjamin Ensor and Kate Moody are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: former J.P. Morgan exec launches Refund-as-a-Service TodayPay, and Airwallex continue expansion into LATAM.
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797. Insights: Is being a fast follower a bad thing?
11:FS CEO David M. Brear and Deputy CEO Jason Bates come together to discuss concept of fast following. Is it always a bad thing? How can you get it right, what pitfalls to avoid getting it wrong and what is the impact on the end customer?
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796. Focus: How to bridge the gap between banks and creators with Eric Wei and Will Kim, Co-CEOs of Karat Financial
In this second episode on our deep dive into the creator economy in the US, David Barton-Grimley and is joined by not one, but two fantastic guests, the Co-CEOs of Karat Financial to discuss how financial services can better understand creators and how financial education is the key.
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795. News: Goldman Sachs sell GreenSky and Citibank win the sandwich war
Our expert host Ross Gallagher and co-host Rachel Pandyan are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: Goldman Sachs stepping back from consumer lending, Galileo's new BNPL offering to SMBs, and a Citibank worker who paid the price for a dodgy expenses claim.
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794. Insights: Managing the wealth of the future
Ross Gallagher is joined by some great guests to talk about how fintech and financial services are meeting the needs of Gens Alpha and Beta, and how they are adapting to the needs of tomorrow's wealth makers.
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198. Insights: How to fix UX in crypto
L.F.G. Today we bring you a look at UX in crypto: what's wrong with it, where the biggest challenges are, and what can be done to fix it, without compromising the control over your own assets that crypto allows for, joined by fantastic guests from Webacy and Bastion. All this and much more on today's Blockchain Insider!
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793. News: FedNow launch 15sec account verification, and the Metro Bank saga continues
Host Kate Moody is joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: FedNow launch a new account verification service from Orum, Metro Bank strike a rescue deal, and Nationwide unveil a new look.
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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.
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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.
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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.
Banks are losing the loyalty game | 11:FS Explores
Hey, banks! This might sting a bit. You’re getting loyalty all wrong - and it’s costing you customers. But all is not lost!
3 ways AI is shaking up UX in financial services | 11:FS Explores
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?
What are fintechs? - Decoding: Banks
Ever wanted to know what’s going on behind the scenes every time we make a payment?
How does banking regulation work? - Decoding: Banks
Regulation is essential. It stops banks from going bust or behaving badly.
How has software evolution influenced banking? - Decoding: Banks
The invention of the computer revolutionised banking in the 1950s.
How does lending work? - Decoding: Banks
Lending has been around for thousands of years and is one of the cornerstones of banking.
How can traditional banks win on the banking battlefield? - Decoding: Banks
They're down, but they're not certainly not out.
How do card networks operate? - Decoding: Banks
Mastercard and Visa are the two biggest credit card networks in the world.
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.
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.
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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...
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Insights: The future of Revolut with UKCEO Francesca Carlesi
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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...
960
Insights: The future of Revolut with UKCEO Francesca Carlesi
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Insights: The future of Revolut with UKCEO Francesca Carlesi
