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AI in banking is all about risk management
It is the nature of finance that, at its core, is risk.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
How to Transform Your Bank - Part 1 - Banking’s Red Queen's Race
As a designer, it’s an all too familiar scenario: you’re about to undertake work on an exciting new digital product or service. It has the potential to have it all, only for you to be handed what all product designers dread - the existing constraints of a rigid and outdated brand playbook. It can certainly feel like a crushing blow. But approached in the correct manner, these constraints can be transformed into an opportunity to take both the product and the brand to the next level.
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203. Insights: Our crypto predictions for 2024
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!
Bonus: Behind the Scenes of Fintech 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!
Bonus: How to become a digital creator
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!
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813. Insights: Fintech's biggest stories of 2023
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.
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812. News: CaixaBank's GenAI revolution and our fintech naughty or nice list
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.
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202. Insights: Tokenised deposits, stablecoins and when best to use them
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!
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810. News: Robinhood is coming to the UK and Wise help SMEs with Allica Bank
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.
Bonus: David M Brear on the Wharton Fintech Podcast
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.
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808. News: JP Morgan eye growth in Abu Dhabi and Check tackle payroll fraud
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.
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807. Insights: Managing regulation without compromising innovation
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.
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201. Insights: How to manage your identity on web3 and blockchain
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!
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806. News: Alphabet's mega Monzo deal and The Rock's Mighty Oak
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.
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805. Insights: One year of ChatGPT
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.
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804. News: Exits for HSBC, Chip reaches profitability and is Klarna taking on Shopify?
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.
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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!
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
