
Over the past eight years, as a fintech founder who happens to be gay, I’ve met with 100+ corporate and institutional investors around the world.

Gary Turner is Co-Founder and Managing Director of Xero, which Forbes described as the “World’s Most Innovative Growth Company.” Xero provides small- to medium-sized businesses (SMBs or SMEs) with ‘beautiful’ online accounting software. Gary helped take Xero from a 3-person startup to a company that will have £150 million in revenue this year.

How do we stay ahead of fraud and financial crime without compromising the speed, ease, and trust that make instant payments so compelling? In this article, Mastercard's Bryan Sharkey explores it all.

When people start explaining how technology can be used to modernise financial services their language instantly becomes fraught with acronyms, buzzwords, and idioms that can make little sense to those both inside, and especially, outside the industry.We have a hunch sometimes people do this to appear smart but we need to do more research!

Sam Maule, Director of Digital & Fintech at NTT DATA Americas, talks to us about how a kid from Detroit became a fintech leader, his new podcast, femtech, and Silicon Valley’s rude awakening.

Goldman Sachs broke the fintechnet this week when it launched its developer portal, intentionally allowing companies to ‘embed finance’ within their organisation using their Banking as a Service (BaaS) offering. Hari Moorthy, Goldman’s Global Head of Transaction Banking, referred to it as “the financial cloud for corporates.” Cue a flurry of emails inside every large bank from CEOs wondering how seriously they should take this. Take it seriously. Take it very seriously.

Let’s start by calling Buy Now Pay Later (BNPL) what it is - debt. Debt, of course, has many faces. But ‘credit, pay in instalments, pay nothing today, etc.’ are all just debt. 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.

Over the past twelve months, we’ve been seriously busy here at 11:FS. Now we’re announcing arguably the most exciting project we’ve ever taken on.

That’s what 11:FS bank building guru Jason hears when he tells people that he’s just spent the last two years building a new digital bank, and they’re right!

The Pulse team spends their time trawling through the world of banks and fintech apps, sorting the good from the bad so you don’t have to.

In this blog post Simon Taylor explores the concept of a Central Bank Digital Currency and why you would want a DLT (or “Blockchain”) like architecture for such a system.

If you missed Part 1 of this 2 part piece then you can catch it here and catch up with the rest of the class: BaaP (Banking as a Platform) Part 1 – Why haven’t we seen a banking platform play?

The landscape for fintech and banking is evolving more rapidly than ever, and in case you weren’t aware, there’s a war going on for your customers. With challengers attacking from left, right, and centre, it’s never been more important to stay on top of the latest and greatest UX innovation. Pssst – click here to go straight to the goods and request a demo of 11:FS Pulse.

The opportunity to change the way we deliver financial services is changing as new channels, products and partnerships are being explored. Banking as a Platform (BaaP) is one of the alternatives.By me, David M. Brear, CEO and Co Founder at 11:FS and Pascal Bouvier, Venture Partner at Santander InnoVentures

While 2015 was just awesome on nearly all fronts, I think the close of the year has left us with a cliff hanger that George RR Martin would be rather proud of. For the curious among you, the question remains what’s next? What will 2016 bring? Across the actors and audiences, we feel there are the 9 questions we need to answer to be able to gauge who the winners and losers in 2016 banking will be. To get to the bottom of these questions, we have given our opinion, have asked a panel for their inputs and have asked a few expert friends of Think Different Group also for theirs.

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!

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.

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.

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.

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!

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.

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?

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.

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.

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.

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!

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.

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.

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.

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.

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...

