Global

Article
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APIs

Top 3 Blogs of 2018

I was recently asked whether digital transformations meant partnerships will become obsolete. In fact, I think quite the opposite - banks who don’t use partnerships will become obsolete.

5min read
Article
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Banking

The Bankmare before Christmas

If you’ve been listening to the news at all in the last few months, you’ve likely run across the term Open Banking – a lot. The internet is awash with articles, thought pieces, blogs, books and podcasts on Open Banking. It’s a full-time job keeping up with the latest trends and following the right people. That’s why at 11: FS we’ve put together the authoritative resource on Open Banking. Whether you’re new to Open Banking or a bonafide guru, we’ve cut through the noise to bring you the go-to guide.

5min read
Article
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Banking

Leda Writes for Fintech Futures: You’ve been doing meetings wrong

Every Thursday, Leda Glyptis, 11:FS Chief of Staff creates #LedaWrites. This week she turns her attention to Wonder Woman, technology without heart and why love is key to innovation.

5min read
Article
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Financial inclusion

U.S. Millennials: A balancing act of YOLO and debt-induced anxiety

If you’re a banker, particularly a retail banker, last year was like the longest pre-fight build up we’ve ever seen. Unless you’ve been living under a rock, you will know that this year four new challenger banks will finally come to the UK market in the form of Monzo, Atom, Starling, and Tandem. They were the constant drum beat in the background while you were making your roadmaps and planning your transformations; the constant understanding that winter was coming.

5min read
Article
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Open Banking

Are card payments under threat? The rise of the A2A payment

Much has been written about how Open Banking has announced itself with more of a whimper than a bang, since going live at the beginning of 2018.

5min read
Article
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Culture

Leda Writes for Fintech Futures: Diversity absolutes and the absurdity of decency by design

Each week, Leda Glyptis, CEO of 11:FS Foundry creates #LedaWrites. This week her attention turns to failing and terrible advice.

5min read
Article
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Banking

Don’t bother saying you are sorry: How VCs hurt me and the industry

If you look at the Trustpilot reviews for Plum (the UK savings app), one thing stands out. People don’t talk that much about the product; instead, they proudly declare how much they’ve saved.

5min read
Article
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Banking

Leda Writes for Fintech Futures: Banking reality checks and other fables

Every Thursday, Leda Glyptis, CEO of 11:FS Foundry creates #LedaWrites. This week, she tells us the best way to avoid frustrated ambition and missed opportunities.

5min read
Article
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digital transformation

Platformification: Taking your bank to the next level

Software has been around for some time, but it was the explosion of mobile phones that changed the dynamic and timeline of building new products. In Europe alone, fintech app usage is up 72% since the start of the pandemic. 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.

5min read
Article
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AI

Crappy data is why we can’t have nice things

If all the bits of your car lived in different countries, and you had to ship them to your house and assemble them every time you wanted to drive somewhere – it would get a bit annoying right? You would question why anyone thought this was an acceptable way of building something so critical.

5min read
Article
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Banking

Leda Writes for Fintech Futures: Career tips for optimists, curious cats and rebels

Every Thursday, Leda Glyptis, 11:FS Chief of Staff creates #LedaWrites. This week she turns her attention to dudes and core banking.

5min read
Article
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Regulation

Rethinking regulation: How to get it right

Jason Bates interviewed Rishi Khosla, CEO of OakNorth for Fintech Insider, the under the radar fintech unicorn in the SME lending space. They discuss OakNorth’s origin story, how they reached profitability within 24 months, the social impact of the SME lending space and what the future holds for this little-big company with deep roots. Listen to the interview in full on the podcast here or stream it below.

5min read
Article
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11:FS

From Enemies of Innovation to Patron Saints: A Modern C-Suite Fairy Tale, Complete with Happy Ending

China’s currently the second biggest hub for fintech in the world. In 2018 the nation managed to secure $15.1BN in funding for fintechs. A great deal of that reputation for success is down to the power and growth of Ant Financial.

5min read
Article
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Culture

Leda Writes for Fintech Futures: Digital transformation beyond the real estate

Every Thursday, Leda Glyptis, 11:FS Chief of Staff creates #LedaWrites. This week she turns her attention to industry conferences and forgetfulness.

5min read
Article
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11:FS

Relationship status: It (should not be) complicated Partners vs Vendors

It’s Valentine’s Day. Obvious opening statement for a blog published on February 14th but on the off chance you forgot, you might want to bookmark this blog, run and buy a card. I’ll be here when you get back.

5min read
755
podcast
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Fintech Insider

755. News: PSD3 unveils plans to shake up Open Banking

The European Union unveils new open banking rules, Wise announces bumper profits, and Robinhood buys X1 – Ross Gallagher and Benjamin Ensor are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days.

1h01 listen
754
podcast
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Fintech Insider

754. Insights: How do we get to the holy grail of cross border payments?

David M. Brear is joined by some great guests, from Citi and JP Morgan, to delve into the developments, friction, and potential future of cross-border payments.

44min listen
190
podcast
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Blockchain Insider

190. Insights: AI and chatbots are shaking up the crypto space

EL. EF. GEE. Today we bring you: A look into the growing prevalence of chatbots in the crypto industry and how that could look in the future. All this and much more on today's Blockchain Insider!

35min listen
753
podcast
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Fintech Insider

753. News: Banks are in an AI talent war and Revolut launches the 'Ultra' account

European banks are putting "AI" in 30% of their job ads, Majority bank opens community meeting space for new migrants, and Gen Z need lessons on how to behave in the corporate world – Benjamin Ensor and Ross Gallagher are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days.

59min listen
752
podcast
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Fintech Insider

752. Insights: How does Big Tech shake up the payments industry?

David M. Brear is joined by some great guests, from Clearbank, Mastercard, and Thredd, to discuss the relationship between Silicon Valley giants and the payments space.

51min listen
750
podcast
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Fintech Insider

750. News: Andreessen Horowitz lands in London and HSBC rebrands Silicon Valley Bank UK

a16z to open first international office in London, HSBC builds innovation division from the bones of SVB UK, and Snoop Dogg launches NFT tour pass – Ross Gallagher and Benjamin Ensor are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days.

1h05 listen
749
podcast
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Fintech Insider

749. What is Anne Boden’s legacy in fintech? (rewind)

David M. Brear is joined by Anne Boden, CEO of Starling, in this interview from the archives!

32min listen
743
podcast
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Fintech Insider

743. News: Revolut's banking licence in jeopardy and Anne Boden departs Starling Bank

Bank of England plans to reject Revolut's bid for banking licence, Brite Payments launches instant payments network, and Daylight calls it quits – Kate Moody and Ross are joined by some great guests, from Brite Payments and Fifth Third Bank, to talk about the most interesting stories in financial services over the last 7 days.

1h03 listen
742
podcast
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Fintech Insider

742. Insights: How NOT to build a bank - Part I

Ross Gallagher is joined an all-star panel of Elevens for the first part of a two episode deep-dive into the battle scars picked up when building banks across the globe.

48min listen
741
podcast
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Fintech Insider

741. Focus: How UX is fundamental to seamless money movement

David Barton-Grimley is joined by a fantastic guest, from Wise, to continue exploring the importance of UX to the fintech revolution in Europe.

33min listen
740
podcast
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Fintech Insider

740. News: Smart raises $95 million while Robinhood sparks all-night trading fears

Smart raises $95 million to take on the pension market, Robinhood launches 24-hour trading, and former UK Chancellor to chair Italian investment firm – Benjamin Ensor and Kate Moody are joined by some great guests, from Anthemis and Smart, to talk about the most interesting stories in financial services over the last 7 days.

58min listen
739
podcast
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Fintech Insider

739. Insights: Could 'mortgages as a service' mark the future of homebuying?

Benjamin Ensor is joined by some great guests, from 11:FS, Molo Finance, Pexa UK, to discuss the possibilities of mortgages services embedded at the point of need.

40min listen
187
podcast
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Blockchain Insider

187. Insights: Data must flow in the era of AI - a Dune case study

EL. EF. GEE. Today we bring you: a deep dive into the world of data and AI, and our second case study! On this show, we're taking a closer look at the the history of Dune, and their new LLM announcement, and how AI and blockchain intersect and can help shape the future of the crypto space. All this and much more on today's Blockchain Insider!

45min listen
738
podcast
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Fintech Insider

738. News: Skipton's no-deposit mortgage raises eyebrows and Apple banks a billion!

Skipton launches deposit-free mortgage aimed at renters, Apple attracts $1 billion in deposits in a week, and WhatsApp allows Singapore businesses to pay within app – Kate Moody and Ross Gallagher are joined by some great guests, from Thunes and Redpoint Ventures, to talk about the most interesting stories in financial services over the last 7 days.

1h02 listen
737
podcast
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Fintech Insider

737. Insights: Is the future of KYC truly digital?

Benjamin Ensor is joined by some great guests, from 11:FS, CAF, and Hummingbird, to talk about the latest developments in Know Your Customer and Know Your Business.

45min 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
Video
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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
Video
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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
Video
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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
Video
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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
Video
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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
Video
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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
Video
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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
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
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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

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