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Tackling fraud in real time: balancing speed and security
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’.
5 fintechs to watch in Asia
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.
How internal adoption fuels successful embedded finance solutions
Payments in the Middle East are evolving. The payments landscape in the Middle East has stood at an important tipping point for some time.
We won Consultancy of the Year 2025!
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.
Execution is everything: Why speed x quality wins the day
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?
Are you selling or partnering with banks?
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.
Introducing the new Brand Page on 11:FS Pulse
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.
VR & AR: Transforming the Fintech Landscape
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.
The forever banks - how private banks are still unfazed by disruption
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.
The future of AI in finance doesn't look like ChatGPT
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 will unlock the true essence of Islamic finance
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.
PSD3 is an innovation red herring
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.
Your product is only 20% unique (but that’s where you win)
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.
It’s time to make year-end reviews more human
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.
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174. News: Is Reddit part of the key to making crypto mainstream?
EL. EF. GEE. Today we bring you: UK Minister proposes measures to regulate crypto ads and ban unauthorised providers, Reddit now has more NFT wallets than the OpenSea Marketplace, and Blockchain.com Visa Card, powered by Marqeta, debuts with 50,000 sign-ups at launch. All this and much more on today's Blockchain Insider!
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676. News: Live from Money20/20 - announcements from Google, Wells Fargo, Adyen, Fireblocks and more!
David M. Brear is joined by some great guests, from Atomic, Alloy, and Taxbit, to talk about the most interesting stories in financial services from Money20/20 in Las Vegas, including: Wells Fargo partners with Google on a virtual assistant, Fireblocks launches digital assets payments engine, and our panel gives their personal highlights from the conference.
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675. Insights: Is the USA world-beating when it comes to payments?
David M. Brear is joined by some great guests, from Moov, Catch, and Plaid, at Money20/20 in Last Vegas to discuss the strengths and weaknesses of payments in America.
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672. News: Will Goldman Sachs call time on Marcus?
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: wIll Goldman Sachs pull the plug on Marcus? PayPal backs away from fining people $2,500 for 'misinformation', and Damien Hirst burns artworks after collectors pick their NFTs instead.
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671. Insights: What does the perfect pension offering look like?
Ross Gallagher is joined by some great guests, from Pensionbee, Wealthify and Common Wealth, to discuss what makes the perfect pension offering.
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670. News: BaaS partnerships for Chetwood and HSBC and Adyen taps Tink for Open Banking payments
Kate Moody is joined by some great guests, from Tink, HSBC, and Chetwood Financial, to talk about the most interesting stories in financial services over the last 7 days, including: Mumsnet teams up with Chetwood to launch family-focused financial products in 2023, HSBC teams up with Oracle Netsuite for Embedded Banking Services in the US, and SEC charges Kim Kardashian for Instagram crypto promotion.
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127. Insights: What could open insurance look like?
Benjamin Ensor and David M. Brear are joined by a panel of guests from Bright Blue Hare and Swiss Re Solutions to talk through what open insurance could look like. All this and much, much more on today's Insurtech Insider!
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668. News: UK mortgage market in meltdown
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, including: UK mortgage lenders halt some deals after pound falls, DoorDash partners with JP Morgan Chase on credit card, and we dive into the Fintech Insider mailbag!
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667. Insights: Designing financial services for the mega-rich
David M. Brear is joined by some great guests, from 11:FS and Nucoro, to discuss designing financial services for high-net-worth individuals.
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171. Insights: Understanding the world of developers
We. Are. Here. Today we bring you: a show dedicated to developers and their worlds. We take a look at what a dev actually does and how to break into their world, what opportunities are out there, and how important dev communities really are. All this and much more on today's Blockchain Insider!
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665. Insights: Should everyone get paid when they need it?
Benjamin Ensor is joined by some great guests, from Zayzoon and PayMeNow, to discuss the earned wage access industry.
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663. Insights: How have tech accelerators shaped fintech?
Benjamin Ensor is joined by some great guests, from Tech Nation, F10 and OakNorth, to explore the impact of tech accelerators on the fintech space.
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170. News: Ripio launch prepaid crypto card and Netflix enters Decentraland
EL. EF. GEE. Today we bring you: Latin American crypto firm Ripio launches prepaid crypto card in Brazil, Steven Bartlett’s web3 creator platform Thirdweb raises £20m, and Netflix enters Decentraland metaverse promoted by Ryan Gosling. All this and much more on today's Blockchain Insider!
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662. News: Shopify and Amazon's Cold War heats up
Kate Moody and Benjamin Ensor are joined by some great guests, from Betakit and Silicon Republic, to talk about the most interesting stories in financial services over the last 7 days, including: Shopify is picking a fight with Amazon, UBS scraps $1.4 billion deal to buy Wealthfront, and Japan decides it's time to stop using floppy disks.
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661. Insights: Can embedded finance bank the unbanked?
Ross Gallagher is joined by some great guests, from 11:FS, Spiralem, and The Aspen Insitute, to discuss how embedded finance could be the trojan horse of financial inclusion.
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
960
Insights: The future of Revolut with UKCEO Francesca Carlesi
