
Businesses are slowly awakening to the idea that it's time to consider new sources of growth when it comes to securing their futures. They’ve realised that, sometimes, designing the most engaging customer value propositions requires leaning on the brand strength of other players outside of your domain.

Buy Now Pay Later (BNPL) is one of the hottest trends in fintech. The concept of 0% finance has been around for decades, but it’s caught fire in the last 3 years with new market entrants like Affirm, Afterpay and Klarna transforming how this works for consumers in an e-commerce setting. 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.

While FinTech folk salivate – and the big banks bloviate – about PSD2 and the open banking reforms coming our way in 2018, we wondered whether those outside of this bubble will actually notice? What does PSD2 actually mean for customers?

A Black-owned bank is defined as one in which at least 50% of voting shares are owned by African-Americans. They’re a dwindling force in the States today.

Throughout history, humans have found direction from statements of intent that suggest 'better' ways of living.

The first episode of our brand-new video series, Decoding: Banking as a Service, is live! If you missed it, catch up here. Here’s a rundown of the episode if you prefer reading to watching 📖

Nothing’s worse than not having any options, but having too many can be just as bad.

We now live in a world where almost anyone can build and launch innovative, regulated financial products as easily as they can create a Shopify page - that’s the magic of Banking as a Service (BaaS).

As 11:FS wraps up its 5th year in business, we can’t help but think about what the next 5 will look like. And our ambitions are big. It’s only just on the right side of scary.

Richard Brown, CTO at R3, says that blockchain allows us to, for the first time, build systems and technologies that run between different organisations that don’t trust each other and bring them to consensus. This means potentially significant savings for financial services, especially in file reconciliation and manual activity. For blockchain to succeed in finance, multiple firms must work together, and Corda is helping to do just that.

As we roll into 2018 thoughts inevitably turn to the big themes that we might expect (and hope) to see for user experience in the financial services industry this year.

Jobs To Be Done (JTBD) is a theory. Its main aim is to explain why customers start - and stop - using different products and services in the market. Stripped down to the essentials, it’s a fairly straightforward concept first introduced by Harvard professor Clayton Christensen that can be adapted into a useful tool for product development.

Good working culture is impossible without motivation. Therefore, it is essential to follow a model of organisation design that supports the conditions in which motivation can be maximised.

Every Thursday, Leda Glyptis, 11:FS Chief of Staff creates #LedaWrites. This week she turns her attention to planning for the future, accountability and caring about everything.

At 11:FS, we build digital financial services, primarily banks. ‘Bank’ is a very broad term, of course, and our focus on client needs and ‘Jobs To Be Done’ approach (“People don’t want a mortgage, they want to buy a house”), means that we rarely set out to build a pure bank.

In the second roundtable episode of Fintech Marketing Podcast, your host Mariette Ferreira takes a look at what it really takes to build a finance brand. Mariette is joined by a great panel of guests to help unpick this and dive a bit deeper into trust - the core to brands in financial services, how to maintain your customer connection and your brand identity through a rebrand, building an impactful but lean brand, and much much more.

In this week's episode of the Fintech Marketing Podcast, your host Eric Fulwiler is joined by Carla Zakhem-Hassan, CMO at Citi - to discuss all things marketing, and find out what inspires and motivates her.

In the first roundtable episode of Fintech Marketing Podcast, your host Mariette Ferreira takes a look at what good content marketing looks like. Mariette is joined by a great panel of guests to help unpick this and dive a bit deeper in the quality, quantity, and growing trends.

For the season 2 première of the Fintech Marketing Podcast, your host Eric Fulwiler is joined by David Wheldon - WFA President Emeritus and Former CMO at RBS - to discuss all things marketing, and find out what makes him tick.

Simon Taylor are joined by some great guests from Google, Fronted and Synctera to talk about how banks structure their technology and why this can make transformation so difficult.

Adam Davis and Kate Moody are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: TransferWise goes Down Under as they join Australia's real-time payments network, Stripe gets into business lending and Mogo goes into Rainforest Mode in their new app!

David Brear and Mel Stringer are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Google takes on Venmo and Square with new payments features, Starling hits profit for the first time, and the Queen of England unexpectedly takes an interest in blockchain.

Sarah Kocianski and Kate Moody joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Santander buys Wirecard’s core European business for €100m, PNC buys BBVA USA and the FCA says no, as Lanister launches its new polymorphic payment card.

Simon Taylor and Adam Davis are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: WhatsApp gets approval for payments in India, the US government want to block Visa’s $5.3 billion acquisition of Plaid, and Klarna gets sued by Pablo Escobar’s brother

Sam Maule and Sarah Kocianski are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Goldman bets on Banking as a Service, British banks stay bullish despite Lockdown 2, and Ant’s record-breaking IPO has been blocked by the Chinese regulator.

Sarah Kocianski and Nigel Walsh are joined by a panel of guests to talk about travel insurance, and how Covid-19 has changed the face of the industry. All this and much much more on today's Insurtech Insider!

Ross Gallagher and Simon Taylor are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Ant Group and the biggest IPO of all time, cryptocurrency initiatives amongst industry giants PayPal and JP Morgan, and raccoons break into California bank.

Sarah Kocianski is joined by some great guests to talk about cybersecurity in financial services.

Simon Taylor and Mel Stringer are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Stripe acquires Nigeria’s Paystack, Marqeta’s research discovers Covid-19 has forced three-quarters of banks to change their future strategy, and ESG funds forecast to outnumber conventional funds by 2025.

Sarah Kocianski is joined by some great guests to talk about Open Banking two years on and the key developments that have been made since then.
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

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...

