
The challenges (and opportunities) ahead for enterprise applications of distributed ledger tech.

The arrival of a new year is often a time for reflection and an opportunity to look ahead. In design it’s no different.

Lately I’ve noticed a few banks and fintechs wanting to “get started designing screens right away”. It seems great, but building the wrong thing is worse than building nothing at all.

Over the past eight years, as a fintech founder who happens to be gay, I’ve met with 100+ corporate and institutional investors around the world.

Gary Turner is Co-Founder and Managing Director of Xero, which Forbes described as the “World’s Most Innovative Growth Company.” Xero provides small- to medium-sized businesses (SMBs or SMEs) with ‘beautiful’ online accounting software. Gary helped take Xero from a 3-person startup to a company that will have £150 million in revenue this year.

How do we stay ahead of fraud and financial crime without compromising the speed, ease, and trust that make instant payments so compelling? In this article, Mastercard's Bryan Sharkey explores it all.

When people start explaining how technology can be used to modernise financial services their language instantly becomes fraught with acronyms, buzzwords, and idioms that can make little sense to those both inside, and especially, outside the industry.We have a hunch sometimes people do this to appear smart but we need to do more research!

Sam Maule, Director of Digital & Fintech at NTT DATA Americas, talks to us about how a kid from Detroit became a fintech leader, his new podcast, femtech, and Silicon Valley’s rude awakening.

Goldman Sachs broke the fintechnet this week when it launched its developer portal, intentionally allowing companies to ‘embed finance’ within their organisation using their Banking as a Service (BaaS) offering. Hari Moorthy, Goldman’s Global Head of Transaction Banking, referred to it as “the financial cloud for corporates.” Cue a flurry of emails inside every large bank from CEOs wondering how seriously they should take this. Take it seriously. Take it very seriously.

Let’s start by calling Buy Now Pay Later (BNPL) what it is - debt. Debt, of course, has many faces. But ‘credit, pay in instalments, pay nothing today, etc.’ are all just debt. 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.

Over the past twelve months, we’ve been seriously busy here at 11:FS. Now we’re announcing arguably the most exciting project we’ve ever taken on.

That’s what 11:FS bank building guru Jason hears when he tells people that he’s just spent the last two years building a new digital bank, and they’re right!

The Pulse team spends their time trawling through the world of banks and fintech apps, sorting the good from the bad so you don’t have to.

In this blog post Simon Taylor explores the concept of a Central Bank Digital Currency and why you would want a DLT (or “Blockchain”) like architecture for such a system.

If you missed Part 1 of this 2 part piece then you can catch it here and catch up with the rest of the class: BaaP (Banking as a Platform) Part 1 – Why haven’t we seen a banking platform play?

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

For years, neobanks competed by offering better banking experiences. Now, the biggest players are expanding into investing, AI-powered financial guidance, wealth management and premium services—areas once dominated by private banks.

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.

In this episode, with partnership with Sage, we're exploring why running a business still feels harder than it should—and how embedded experiences are changing that. Host Kate Moody, Customer Strategy Director at 11:FS, is joined by Gordon Stuart, SVP of Embedded Services at Sage, Emma Campbell, Chief Banking Officer at @One.io, and Sarah Kocianski, fintech consultant and analyst.

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.

Robinhood has just unveiled one of the biggest product launches in its history, centred around a bold vision for Borderless Markets. From tokenised stocks and ETFs to Robinhood Chain and AI-powered investing, the company is betting that the future of finance will be tokenised, intelligent and increasingly autonomous.

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.

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.
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In this episode, we're exploring what it takes to build modern banking technology from the ground up. Host Ross Gallagher - Head of Consulting at 11:FS - joined by Sam Everington, CEO of Engine by Starling, and Jody Bhagat, President of North America at Engine by Starling.

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

In this episode, we're diving into one of the biggest challenges facing fintech growth right now: standing out. From brand building and customer acquisition to AI-powered marketing and community-led growth, we unpack how fintechs are finding, engaging and retaining customers in an increasingly crowded market. Laura Watkins - Director of Media and Marketing at 11:FS joined by marketing experts of the sector. In this episode, we're diving into one of the biggest challenges facing fintech growth right now: standing out. From brand building and customer acquisition to AI-powered marketing and community-led growth, we unpack

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.

In this special episode of Fintech Insider Insights, recorded live at Stripe Tour London, we're joined by two Stripe leaders to explore how the internet economy is evolving - and the infrastructure powering its next chapter.

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.

What do Arsenal, Manchester United, Nottingham Forest and the Home Nations football teams have in common? They're all partnering with fintech brands.

Hey, banks! This might sting a bit. You’re getting loyalty all wrong - and it’s costing you customers. But all is not lost!
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?
It's not just a buzzword.
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.

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...

