The term ‘technical debt’ has been around a long time in software engineering. It shares some common characteristics with financial debt: You can accumulate it, you can ‘pay it off’.
The fintech scene in Asia is booming. In recent years, the region has developed rapidly, with a diverse array of startups and established banks transforming how financial services are delivered and consumed.
The future of financial services changed on the 2nd of February and not for any reason you’d expect. That was the date the online game Fortnite held an in-game concert that was viewed by over 10 million people live.
Payments in the Middle East are evolving. The payments landscape in the Middle East has stood at an important tipping point for some time.

The U.S. Treasury and the Office of the Comptroller of the Currency (OCC) both hit the headlines with fintech-related announcements. Treasury released a 222-page report on the subject of Nonbank Financials, Fintech, and Innovation, while the OCC almost immediately followed with the news that it would finally begin accepting National Bank Charter applications from fintechs, in line with Treasury recommendations.
How do I create the 5 year plan for 8 software releases a day? This is one of my favourite lines from an old school bank executive. It happened live on stage in front of 500 people when I made the point that challenger banks are now operating at 8 releases per day. It might seem nerdy, but why does it matter how often banks release new software?
The fintech ecosystem is currently going through an exciting phase. Startups that were once considered young and immature like Monzo, Revolut, or Airwallex have grown into established financial companies. At the same time, incumbent banks are getting better at engaging and investing in fintech. The two worlds are converging and sparking new opportunities for partnerships.
Bonjour! Comment allez-vous? France’s fintech star is rising. With over 1100 of them based in the capital alone, junior minister Cédric O has promised that Paris will eclipse London as the fintech hotspot in Europe in the near-distant future.
Asking the wrong questions will only ever lead to the wrong solutions. That’s why we lean into Jobs to be Done at 11:FS. It’s based on the notion that there’s no use in asking what the customer wants, because they don’t actually know. 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.
11:FS has come a long way in a short time, and as the company has grown up, so must the branding. It's time to sit down, take stock of how we look and sound and fine-tune our identity.
We were lucky enough to catch up with Ben Metz, Head of Digital at Jack Henry. Here, he predicts who’ll come out on top in the banking war: the traditional players or the challengers, and what will decide who wins and loses.
Fintech has a big part to play in the fight against climate change and can help solve financial exclusion for millions worldwide. This article is the first in a trilogy on fintech for good. You can find the link to the second at the bottom of this one.
Take a peek behind the scenes of 11:FS Pulse. Keep reading to learn about the process 11:FS designers use to keep the Pulse product relevant, user friendly and ahead of the curve with a run through of the latest application of our design process.
I'm going to start with an unpopular opinion that we proposition design purists like to convince ourselves isn't true: sometimes it's ok to launch a clone.
Hot on the heels of Revolut’s mega funding round and newly minted unicorn status two weeks ago comes another piece of good news for the European fintech industry — Swedish commerce platform iZettle is set to IPO.

Ross Gallagher is joined by some great guests, from Allica Bank and Novo, to discuss whether the initial promise of financial services for SMEs has truly been delivered.

We. Are. Here. Today we bring you: a very exciting deep dive: this time - into film and web3. How do films and filmmaking change and work in web3? Does web3 have the power to revolutionise the process of filmmaking as we know it, and could it encourage more diversity and inclusivity? All this and much more on today's Blockchain Insider!

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, including: Prometeo launches LatAm’s first A2A payments platform, Ramp steps into the Buy Now Pay Later Market, and we dive into the Fintech Insider mailbag!

Benjamin Ensor is joined by some great guests, from 11:FS, Bunq, Techfugees, and Leaf Global Fintech to ask: 'How can fintech help solve the refugee crisis?'

Nigel Walsh and John Bean are joined by a panel of guests from 11:FS and Maptycs to talk through the process of building trust and transparency in insurance. All this and much, much more on today's Insurtech Insider!

David M. Brear and Nicole are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: Wise partnership with Plaid gives customers access to 6000 US apps, Klarna strives for Super App status, and Adam Neumann raises BIG from A16Z!

Kate Moody and Nicole Perry are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: cash’s comeback as the cost of living climbs, Heopagos raising big for Latam payments, and Italy says ‘ciao!’ to Domino's Pizza.

Ross Gallagher is joined by some great guests, from 11:FS, Sibstar, and Purple, to talk about you design financial services for people with disabilities.

In this exciting bonus episode, David M. Brear is joined by Andy Bromberg, CEO of Eco, to talk about the fine line between copying, imitation, and competitor research. All this and much much more on today's bonus show!

Nigel Walsh and John Bean are joined by a fantastic guest from Hubb to talk through what the future for brokers might look like in today's insurance space. All this and much, much more on today's Insurtech Insider!

Kate Moody and Nicole Perry are joined by some great guests, from DealStreetAsia and Fintech Business Weekly, to talk about the most interesting stories in financial services over the last 7 days, including: Sequoia makes first investment in Pakistan, LendUp enters liquidation, and trade in your pandemic impulse buys!

David M. Brear is joined by some great guests, from Plaid, Payments Solved, and The Payments Association EU, to look at how PSD3 might influence Open Banking going forward.

David M. Brear and Nicole Perry are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: European investing app Shares snaps up $40m financing round, Plaid launches Variable Recurring Payments, and we dip into the Fintech Insider mailbag!

We. Are. Here. Today we bring you: a special bonus interview with author and presenter Jamie Bartlett, where we chat about all things Missing Cryptoqueen, and his new book: “The Missing Cryptoqueen: The Billion Dollar Cryptocurrency Con and the Woman Who Got Away with It”. All this and much much more! All this and much more on today's Blockchain Insider!

Nigel Walsh and John Bean are joined by a panel of guests from Anthemis, Flock and Instanda to talk through the biggest news of the month. Hear about: No-code insurtech scale-up Instanda raises £37m, insurance start-ups face credibility crisis, and GEICO may have to pay a woman who got an STD in an insured car. All this and much, much more on today's Insurtech Insider!
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.

Fintech Marketing Podcast Season 2: Coming soon

After Dark - Open Finance: fact or fantasy?

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...

