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Global
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to have it all, only for you to be handed what all product designers dread - the existing constraints of a rigid and outdated brand playbook.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.
Digital Banking is 1% done
Digital Banking is only 1% Finished. That’s our motto at 11:FS. You can see it plastered across everything we do, we talk about it at events, and it’s in all of our client work. Taking a paper statement to the telephone, to a website and then a mobile app isn’t where digital banking ends; it’s where it begins. Digital Banking having 99% to go is a statement of optimism, of opportunity and its how you differentiate, as consumer expectations will only grow in the coming years.
What was the Bitcoin fork and what is Bitcoin Cash?
On 1st August at approximately 12:20 UTC, the cryptocurrency known as Bitcoin formally began a process to fork – or split into two- creating Bitcoin Cash, a new currency. It is unclear exactly what the implications of this will be in the long term but here’s a summary of what we know so far:
How to get a job in Blockchain
It’s about trust. Why do banks insist on having everything? Because they think if they only insist on some, they’ll never get the rest.
InsurTech Insider: everything you need to know about InsurTech
Fintech is technology used in the financial services industry, insurtech is technology used in a subset of that industry, insurance. And yet while one is typically considered fascinating, worthy of pages of mainstream media coverage, mention of the other is often greeted with eye-rolling outside of specialist circles.
11:FS announces its American expansion
Sam Maule joins 11:FS as Managing Partner, Americas
Are challenger banks just better legacy banks?
This week I had the super-smart Mariano Belinky tell me that the current crop of challenger banks are really just ‘better mousetraps’.
The SEC's verdict on The DAO tokens: explained
A few weeks ago, I outlined the problems with the financial products that supposedly address small and medium sized businesses’ (SMBs) needs, and how they are chronically underserved by incumbent financial institutions (FIs) across all sectors. Since then, we’ve explored how things are changing in the SMB insurance space and delved into the developments in the areas of bank account opening, payments and loans in our podcasts. I’ve also been busy trying to discover, articulate and demonstrate what “best in class” in this industry looks like in my latest research report.
The virtues of digital : creating a truly digital bank
At 11:FS we like to say that digital banking is 1% finished, well the same is true of Open Banking. The unknown potential of the regulation far outstrips what is being done right now. And that potential has caught the imagination of foreign regulators.
DIGITAL TRANSFORMATION: THE GREAT LIE – Part 3 - The future is a fast moving target
Dave Bruno, Co-Founder at YNOME and Head of WM Innovation at UBS, explains how digital can scale wealth management for everyone.
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735. News: JP Morgan swoops in for First Republic, while Revolut takes on Nubank
JP Morgan snaps up First Republic Bank, Revolut launches in Brazil, and ChatGPT investment fund "smashes" competition – Kate Moody and Benjamin Ensor are joined by a great guest from Reuters to talk about the most interesting stories in financial services over the last 7 days.
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734: Insights: How important is trust to financial services in 2023?
Benjamin Ensor is joined by some great guests, from Atom Bank, Coastal Community Bank, and Vexi to talk about the value of trust to financial services.
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186. News: The future of stablecoins, Ethereum’s Shanghai upgrade, and the first comprehensive crypto law
EL. EF. GEE. Today we bring you: US Congress to introduce new draft bill for stablecoins, Ethereum’s Shanghai upgrade is complete, starting new era of staking withdrawals, and EU Parliament approves crypto licensing, funds transfer rules. All this and much more on today's Blockchain Insider!
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733. News: Super raises $85M and First Republic scrambles to be saved
Kate Moody joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: Super.com’s $85M raise for a super app for savings; Could First Republic be the next SVB as the US scrambles to save it; and Klarna roll out a suite of AI-enabled personalisation tools for shoppers and merchants.
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732. Insights: Is the future of SME banking specialisation?
Benjamin Ensor is joined by some great guests, from Branch, Iwoca, and Treyd, to look at the opportunities and challenges of opportunities of specialised offerings for small and medium-sized businesses.
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730. News: Is Apple a fintech now?
Apple launches savings account, JROC lays out Open Banking roadmap, and Game of Thrones stars challenge big banks over fossil fuel links – Ross Gallagher and Benjamin Ensor are joined by some great guests, from Yonder and Open Finance Association, to talk about the most interesting stories in financial services over the last 7 days.
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729. Insights: How do community banks stay relevant in 2023?
Benjamin Ensor and Kate Moody are joined by some great guests, Bridge built by Citi and Seattle Bank, to look at the challenges and opportunities for community banks in America.
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728. News: FCA enlists Love Island star while Visa connects Venmo and PayPal users
Love Island's Sharon Gaffka teams up with FCA in clampdown on influencers, Visa partners PayPal for interoperable P2P payments, and Verto picks up a quarter of Silicon Valley Bank customers in Africa – Ross Gallagher and Benjamin Ensor are joined by some great guests, from Verto and CCG Catalyst, to talk about the most interesting stories in financial services over the last 7 days.
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727. Insights: Is debt the last taboo of financial services?
Ross Gallagher is joined by some great guests, from the Aspen Institute, GoCardless, and Lowell, to discuss how innovations can improve the reputation of the industry of debt.
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184. News: First zkEVM live on Ethereum, the USDC depegging, and Coinbase’s SEC Wells Notice
EL. EF. GEE. Today we bring you: First zkEVM goes live on Ethereum, a recap on USDC/SVB, and Coinbase’s SEC Wells notice. All this and much more on today's Blockchain Insider!
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725. News: Has Apple missed the Buy Now Pay Later boom?
Crowdcube and Octopus Investments opening up retail investments, Apple Pay Later is finally launching, and Twitter changes logo to Dogecoin cryptocurrency image – Ross Gallagher is joined by some great guests, from Crowdcube, Fintech Business Weekly, and The Fintech Times, to talk about the most interesting stories in financial services over the last 7 days.
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724. Insights: Are SMEs being served globally?
Benjamin Ensor is joined by some great guests, from Global Ventures, Novo, OakNorth Bank, and Spiralem, to look at the business banking options and challenges for small and medium-sized businesses across the world.
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723. News: After Dark: Silicon Valley Bank bought by US rival and Klarna embraces ChatGPT
Silicon Valley Bank bought by rival, Klarna plugs ChatGPT into its platform, and Latitude Financial records stolen in cyber attack – David M. Brear and Kate Moody are joined by some great guests, from CFIT and first direct, live on stage in London to talk about the most interesting stories in financial services.
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722. Insights: How do you choose the right investment path for your business?
David M. Brear is joined by some great guests, from Stonehaven LLC, National Bank of Canada, and Anthemis, to discuss the various funding options for fintechs and startups.
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.
Fintech Marketing Podcast Season 2 Preview
Fintech Marketing Podcast Season 2: Coming soon
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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
960
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
960
Insights: The future of Revolut with UKCEO Francesca Carlesi
