Global

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Design Principles

Crafting impactful design principles

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

5min read
Article
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BaaS

Why is BaaS so hot right now?

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 📖

5min read
Article
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sustainable living

In defence of virtue signalling

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

5min read
Article
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BaaS

7 reasons Banking as a Service is a game changer

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).

5min read
Article
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Goldman Sachs

Goldman Sachs is leaning into embedded finance: other banks should take note

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.

5min read
Article
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Cashless

Is the future really cashless?

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.

5min read
Article
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Cloud

Using the cloud to fly sky high above the competition

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.

5min read
Article
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SMBs

Jobs to be Done: How to help US SMBs keep their personal assets separate from their business finances

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.

5min read
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Town hall 27th July 2020: Business update from David

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.

5min read
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Banking

Leda Writes for Fintech Futures: the stress of being stressed

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.

5min read
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Engineering

An introduction to engineering in 11:FS Consulting

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.

5min read
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Banking

Leda Writes for Fintech Futures: the pretence of invincibility

Each week, Leda Glyptis, CEO of 11:FS Foundry, creates #LedaWrites. This week she ponders the difference between stress, and pressure - and the importance of acknowledging that stress without indulging it.

5min read
Article
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User experience

Designing experiences and inspiring the makers. Clouston Mahon

Despite the astronomical price-tag and highly breakable look of early foldable phones, we can confidently predict a future of interesting new design challenges thanks to flexible screens.

5min read
Article
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Culture

Leda Writes for Fintech Futures: living in a passive voice world

Every Thursday, Leda Glyptis, CEO of 11:FS Foundry creates #LedaWrites. This week she examines innovation, with a side order of Shakespeare.

5min read
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Culture

Leda Writes for Fintech Futures: storytelling for introverts

Each week, Leda Glyptis, CEO of 11:FS Foundry, creates #LedaWrites. This week she delves into her wardrobe to talk about t-shirts as a metaphor for life, love and work.

5min read
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podcast
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Insurtech Insider

66. Loyalty in insurance: It's not what you say, it's what you do

Sarah Kocianski and Nigel Walsh are joined by a panel of guests to talk about customer loyalty in insurance and how companies can work to build a lasting relationship with their client base. All this and much much more on today's Insurtech Insider!

57min listen
427
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Fintech Insider

427. News: Mobile Wallet Wars? SoFi and Samsung Pay team up

Sarah Kocianski and Adam Davis are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: A round up of the pandemic and financial aid stories on both sides of the pond; Sofi and Samsung Pay team up for a debit card; and Mastercard's massive new pledge for financial inclusion.

56min listen
139
podcast
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Blockchain Insider

139. Interviews: Yuval Rooz, CEO of Digital Asset & a special announcement from Simon Taylor

We. Are. Here. Today we bring you: a fantastic interview is Yuval Rooz, CEO of Digital Asset and an announcement from host Simon Taylor.

35min listen
425
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Fintech Insider

425. News: RBS close Bó - Why is building a new bank so hard?

Simon Taylor and Sarah Kocianski are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: RBS closes Bó, big banks book $50bn against bad loans in the wake of corona, and a round-up of the more international stories of the week.

56min listen
65
podcast
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Insurtech Insider

65. News: Covid-19 - Worse than 9/11 and Katrina for the insurance industry

Sarah Kocianski and Nigel Walsh are joined by a panel of guests to talk through the latest and greatest news in the insurance space which are heavily focussed on Covid-19 and the insurance industry this week!

1h06 listen
423
podcast
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Fintech Insider

423. News: Global bank profits tumble as US deposits grow

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: 100% backed business loans; big banks results are in and corona is hitting their profit margins hard and even Animal Crossing's Bank of Nook is slashing its interest rates in an unwelcome reflection of the real world.

1h02 listen
422
podcast
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Fintech Insider

422. Insights: the impact of coronavirus on US SMB Financing

Sam Maule is joined by some great guests in the US SMB space, to discuss the impact of the coronavirus crisis on US small businesses - at the time in which all the stimulus funding had already been given out.

48min listen
421
podcast
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Fintech Insider

421. News: US SMEs await new stimulus funds as fintech valuations soar

Sam Maule and Simon Taylor are joined by some great guests to talk about some of the biggest global stories of the last 7 days, including: new stimulus funding in the US; new fundraises and valuations for Stripe and Robinhood; and ShackShack give back their $10million stimulus.

1h09 listen
420
podcast
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Fintech Insider

420. Insights: How the COVID-19 pandemic will accelerate digital financial services

11:FS's David Brear, Simon Taylor, Sarah Kocianski and Benjamin Ensor come together to talk about the impact of the COVID-19 pandemic on the financial services industry.

55min listen
64
podcast
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Insurtech Insider

64. Covid-19: Who will come out stronger?

Sarah Kocianski and Nigel Walsh are joined by a panel of guests to talk through Covid-19 and what this might mean for the insurance industry going forward! All this and much much more on today's Insurtech Insider!

42min listen
419
podcast
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Fintech Insider

419. News: Fintechs step up to distribute relief funding

Sarah Kocianski and Simon Taylor are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Starling and OakNorth join coronavirus loan programme, US fintechs to help distribute coronavirus aid, and a women-only neobank is coming to Brazil.

1h04 listen
418
podcast
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Fintech Insider

418. Insights: Coronavirus and the impact on SME Financing

In this highly topical episode, Sarah Kocianski and Simon Taylor, dig into the impact COVID-19 is having on SME financing, and their access to government funding. They are joined by expert guests from Coconut, Quotevine and 1pm PLC.

48min listen
137
podcast
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Blockchain Insider

137. Can central banks kill crypto?

We. Are. Here. Today we bring you: Sila raises $7.7M to wipe out ACH, Ether hits a 28-day high and everybody and their dog wants a CBDC. Simon Taylor hosts and is joined by Olivia VInden and Lex Sokolin. All this and much more on today's Blockchain Insider!

43min listen
136
podcast
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Blockchain Insider

136. Central bank digital currencies in the age of coronavirus

We. Are. Here. Today we bring you: Digital dollar dropped whilst China gets one step closer, Bitcoin is booming on Cash App, and CFTC announces guidance on the delivery of digital assets. Simon hosts and is joined by All this and much more on today's Blockchain Insider!

46min listen
63
podcast
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Insurtech Insider

63. Renters insurance: Does coronavirus make people insure differently?

Sarah Kocianski and Nigel Walsh are joined by some wonderful guests to talk about insurance in the rental market and how COVID-19 might be changing it all. All this and much much more on today's Insurtech Insider!

42min listen
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
Video
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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.

7min watch
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Minimum Lovable Brand | 11:FS Explores

5min watch
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Fintech Marketing Podcast Season 2 Preview

Fintech Marketing Podcast Season 2: Coming soon

4min watch
Video
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Open finance

Fintech Insider Presents: After Dark - Open Finance: fact or fantasy?

After Dark - Open Finance: fact or fantasy?

90min watch
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
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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