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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to have it all, only for you to be handed what all product designers dread - the existing constraints of a rigid and outdated brand playbook.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.
Bonus. Eco's Andy Bromberg on copying in fintech
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!
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123. Insights: What is the future for brokers?
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!
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652. News: Will JPMorgan Chase transform the travel industry?
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!
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651. Insights: How will PSD3 shape the future of Open Banking?
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.
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650. News: Peter Thiel backs European investment app Shares
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!
Bonus. Jamie Bartlett is still after the Missing Cryptoqueen
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!
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122. News: Instanda and YuLife raise despite insurance start-up credibility crisis
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!
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648. News: Starling pulls back from Ireland while Stori becomes Mexico's latest fintech unicorn
Kate Moody and Amy Gavin are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: Starling pulls Irish bank application, Stori becomes Mexico’s latest fintech unicorn, and ‘Eat The Rich’ popsicles are selling fast!
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647. Insights: How is rising inflation impacting financial services?
Kate Moody is joined by some great guests, from Chetwood Financial, Innovate Finance, and Minna Technologies, to ask how will inflation impact financial services going forward.
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645. Insights: Dan McCrum on bringing down payment giant Wirecard's house of cards
David M. Brear is joined by investigative reporter and author, Dan McCrum, to dive into his new book about uncovering the truth about payments company Wirecard.
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644. News: Should Open Banking become a legal requirement for credit assessment?
Benjamin Ensor and Deepa Anikhindi are joined by some great guests to talk about the most interesting stories in financial services over the last 7 days, including: Agricultural bank Oxbury raises £20m in a funding round, Payl8r calls for open banking to be legally required for credit assessing, and the world's first fintech sitcom!
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643. Insights: How do you put together the perfect mortgage offering?
David M. Brear is joined by some great guests, from Bunq, Maxwell and Molo Finance, to help put together the perfect mortgage offering taking aspects from across the world.
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165. Insights: How do you know it's web3?
We. Are. Here. Today we bring you: an episode focused on ownership. Ownership is web3’s ability to prove that digital assets are owned by users. But how exactly does it work? How is it different from the world of web2? And what changes can we expect to see in the world now that assets are on-chain? All this and much more on today's Blockchain Insider!
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642. News: Kroo lands coveted banking license, while Credit Suisse found guilty of money laundering
David M. Brear 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: Kroo lands full banking licence, Credit Suisse bank found guilty over money laundering charges, and we answer questions from the Fintech Insider mailbag!
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641. Insights: What does 'financial inclusion' actually mean?
Gwera Kiwana is joined by some great guests, from Spiralem, Observer Research Foundation and Jipay, to discuss the merits and challenges of financial inclusion.
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...
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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
