Global

Article
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Interviews

Not making up the numbers: An interview w. Anthony Thomson, 86 400

Why is China so far ahead on fintech? Guest author Richard Davies went to China earlier this year to see for himself. These are his findings:

5min read
Article
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Culture

Leda Writes for Fintech Futures: Banking for humanity

Every Thursday, Leda Glyptis, 11:FS Chief of Staff creates #LedaWrites. This week she turns her attention to holding your breath, repetitive messages and the end of the world.

5min read
Article
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APAC

Deniz Güven: Brave New Bank

Born and raised in a small town in central India, Deputy Mayor for Business in London, Rajesh Agrawal, moved to London in 2001 at 24. He arrived at Heathrow with £200 in his pocket and without knowing a soul. But he still felt at home in London, citing that feeling as one of the best things about the city. Rajesh set up his own business in international payments before the term fintech even existed and now he’s working to help other fintech entrepreneurs succeed in London. Listen to our CEO, David M. Brear interview him here or click play below.

5min read
Article
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Financial inclusion

Money and Mental Health: What more can we do?

Sharing our stories, our challenges, and the things that truly matter to us. Today we talk to Jamie Clements from the 11:FS Pulse team to discuss mental health, opening up and what led him to creating a podcast about these complex issues.

5min read
Article
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Innovation

Why are mortgages broken and confusing?

It’s no secret that mortgages are a broken process. Research by Habito revealed that 62% of those who go through the process felt stressed out. And from personal experience, I can tell you that remortgaging is a hugely difficult and opaque process. How can this be the case in 2019?

5min read
Article
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Open Banking

Leda Writes for Fintech Futures: Open Banking in a brave new world

Every Thursday, Leda Glyptis, 11:FS Chief of Staff creates #LedaWrites. This week she turns her attention to legacy and core banking.

5min read
Article
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digital transformation

Why big banks are creating challengers: Leaving a legacy

Incumbent banks’ approach to becoming modern digital beasts is like a 60-year-old athlete trying to compete in the Olympics.

5min read
Article
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digital transformation

Leda Writes for Fintech Futures: You can’t always get what you want

Every Thursday, Leda Glyptis, 11:FS Chief of Staff creates #LedaWrites. This week she turns her attention to the interminable nature of meetings.

5min read
Article
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digital transformation

Hold the front page

2020 has been a funny old year on many fronts so far, hasn't it? Over the last few months something interesting has happened for 11:FS, as myself and my co-founders, Jason, Ross and Simon explain.

5min read
Article
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Culture

Leda Writes for Fintech Futures: On feedback and what to do with it

Each week, Leda Glyptis, CEO of 11:FS Foundry, creates #LedaWrites. This week it’s all about work, finding a mission and falling in love with the job every single time.

5min read
Article
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Design

Easter eggs and delivering delight

eBay announced recently that it would begin offering merchants access to credit in partnership with Square Capital as of Q3 2018. eBay sellers will be able to apply for loans from $500 to $100,000. Square is facilitating the process, which can be done entirely digitally and sees successful applicants receive funds in as little as 24 hours. The partnership is interesting for two main reasons — it signals a deepening commitment from eBay to providing financial products and the joint offering marks another powerful entrant to the SMB lending space.

5min read
Article
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Banking

Why big banks are doing challengers: Brand Permission and why it matters

The whydunit is an increasingly popular narrative. More often than not the motives behind a decision are more interesting than the decision itself, so I’ve taken a look at the motives behind big banks and their fixation with challengers.

5min read
Article
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Podcast

Past success guarantees nothing: Benoit Legrand, CIO of ING

It’s time to accept that digitisation is not going to create the step change needed. Banks need to realise the benefits of being born digital and the boost to services it provides.

5min read
Article
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Banking

Leda Writes for Fintech Futures: Getting bad news is a good thing

Every Thursday, Leda Glyptis, 11:FS Chief of Staff creates #LedaWrites. This week she ponders the difficulties of learning to unlearn.

5min read
Article
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Design

How to use behavioural design brilliantly

What does it take for a company to grow? Flexible, adaptive people support. Our Senior HR Business Partner Anisa Aksar tells us how 11:FS thinks about HR hypergrowth.

5min read
1065
podcast
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Fintech Insider

1065: Insights: Is agentic AI the future of investing?

As AI moves from supporting investment decisions to making them, what happens to trust, accountability, and control?

51min listen
1064
podcast
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Fintech Insider

1064. News: Paymentology raises $175m, Alipay hands shopping to AI, and the FCA probes digital wallets

Host Laura Watkins - Director of Media and Marketing at 11:FS- is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.

54min listen
1063
podcast
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Fintech Insider

1063. Insights: Can traditional banking survive the AI era?

In this episode of Fintech Insider Insights, in partnership with Backbase, David Brear is joined by Jouk Pleiter, CEO & Founder of Backbase, to explore why banking may be approaching a breaking point in its architecture.

51min listen
1061
podcast
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Fintech Insider

1061. Insights: The advice gap: Are banks helping customers or protecting themselves?

Advice is regulated and personalised. Guidance is broader and safer - but that line is starting to blur.

46min listen
1060
podcast
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Fintech Insider

1060. News: NatWest, HSBC & Lloyds face new rules, Adyen drops €750m and Revolut steps into the real world

Host Laura Watkins - Director of Media and Marketing at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.

59min listen
1058
podcast
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Fintech Insider

1058. News: Revolut’s $200bn ambition, TikTok’s creator card, and Lloyds digitises homebuying

Host Benjamin Ensor - Director of Research and Strategy at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.

58min listen
1057
podcast
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Fintech Insider

1057. Insights: From inertia to advocacy: Rethinking customer loyalty in fintech

What does customer loyalty really mean in financial services - and has it ever been real? In this episode of Fintech Insider Insights, Kate Moody is joined by Rosie Lee, Jas Shah, and Alex Johnson to unpack the shifting nature of loyalty in a world where switching is easier than ever.

52min listen
1056
podcast
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Fintech Insider

1056. News: AI is everywhere: FCA's open finance roadmap, Google’s Global AI, and the Lloyds' boardroom

Host Benjamin Ensor - Director of Research and Strategy at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.

65min listen
1055
podcast
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Fintech Insider

1055. Insights: What happens when embedded finance grows up? With Pleo and Mastercard

In this episode of Fintech Insider Insights, in partnership with Pleo, host Benjamin Ensor is joined by Jeppe Rindom (Co-Founder & CEO at Pleo) and Tulsi Narayan (EVP, Commercial and New Payment Flows, Europe at Mastercard) to explore the next phase of embedded finance — as it evolves from a handy feature into critical infrastructure.

45min listen
1054
podcast
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Fintech Insider

1054. News: Jamie Dimon raises the alarm, Barclays brings back branches, NatWest and Sainsbury's join forces

Host Laura Watkins - Director of Media and Marketing at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.

71min listen
1053
podcast
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Fintech Insider

1053. Insights: Agentic payments: Revolution or just better orchestration?

Benjamin Ensor is joined by Rory O’Neill, Sahar Attaripour, and Sam Boboev to explore the rise of agentic payments - a fundamental shift from executing transactions to delegating intent.

56min listen
1052
podcast
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Fintech Insider

1052.News: AI agents are trading, Monzo is retreating, and Wise is coming for the banks

Host Ross Gallagher - Head of Consulting at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.

71min listen
1050
podcast
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Fintech Insider

1050.News: Starling launches UK’s first agentic AI banking, Paymentology’s WhatsApp neobank and Turkey SEPA expansion

About this episode: Host Laura Watkins - Director of Media and Marketing at 11:FS is joined by some great guests to discuss the biggest stories from the world of financial services over the past week. This week's guests: David Sullivan -

68min listen
1048
podcast
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Fintech Insider

1048. News - After Dark: Robinhood's family plan, Irish banks team up to take on fintechs, and did Year in Monzo go too far?

Our expert host Ross Gallagher, and co-host Jamie Campbell, Co-CEO of 11:FS Holdings, present Fintech Insider News live from Village Underground in London, joined by some fantastic guests to discuss some of the interesting fintech and financial services stories of the week.

57min listen
1047
podcast
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Fintech Insider

1047. Insights: Can you launch a start-up in 2026? Live from J.P. Morgan Payments

Recorded live from J.P. Morgan’s e-commerce and fintech forum, 11:FS CEO David M. Brear is joined by an all-star panel to tackle a deceptively simple question: can you still launch a startup in 2026?

53min listen
Video
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11:FS Pulse

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!

7min watch
Video
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11:FS Pulse

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?

5min watch
Video
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Decoding

What are fintechs? - Decoding: Banks

Ever wanted to know what’s going on behind the scenes every time we make a payment?

12min watch
Video
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Decoding

How does banking regulation work? - Decoding: Banks

Regulation is essential. It stops banks from going bust or behaving badly.

12min watch
Video
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Decoding

How has software evolution influenced banking? - Decoding: Banks

The invention of the computer revolutionised banking in the 1950s.

11min watch
Video
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Lending

How does lending work? - Decoding: Banks

Lending has been around for thousands of years and is one of the cornerstones of banking.

11min watch
Video
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Decoding

How can traditional banks win on the banking battlefield? - Decoding: Banks

They're down, but they're not certainly not out.

15min watch
Video
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Decoding

How do card networks operate? - Decoding: Banks

Mastercard and Visa are the two biggest credit card networks in the world.

13min watch
Video
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Decoding

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.

13min watch
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
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Podcast
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fintech Insider

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...

1h2 listen
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
960
Podcast
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fintech Insider

Insights: The future of Revolut with UKCEO Francesca Carlesi

1h2 listen
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
960
Podcast
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fintech Insider

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...

1h2 listen
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
960
Podcast
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fintech Insider

Insights: The future of Revolut with UKCEO Francesca Carlesi

1h2 listen
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
960
Podcast
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fintech Insider

Insights: The future of Revolut with UKCEO Francesca Carlesi

1h2 listen