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The risk of fintech blanding
How many times have you looked at a job posting only to see the mention of free fruit? Sure it’s nice to have free food, but what purpose does it serve and does it have anything to do with employee wellbeing?
8 takeaways from our latest Banking as a Service episode
The fourth episode of our brand-new video series, Decoding: Banking as a Service, is here! If you missed it (or any of the others) catch up here. Here’s a rundown of this episode if you prefer reading to watching 📖
How to turn outdated corporate identities into fresh opportunities
Behavioural design is the process of using psychological insights into how people think and act irrationally, to design better products and services. Sounds good, right? But…er… what does that actually look like?
What is the future of payments? We head to FinTech Connect 2020 to find out
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: Love it or hate it, you can’t ignore it
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.
What is embedded finance?
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?
The future of banking: all paths lead to lending
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.
Crafting impactful design principles
Throughout history, humans have found direction from statements of intent that suggest 'better' ways of living.
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 📖
In defence of virtue signalling
Nothing’s worse than not having any options, but having too many can be just as bad.
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).
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.
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.
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.
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.
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70. LGBT+ and insurance - Make no assumptions
Sarah Kocianski and Nigel Walsh are joined by a panel of guests to talk through LGBT+ and insurance. What is the state of diversity and inclusion in the industry and what specific products is there available for the LGBT+ community? All this and much much more on today's Insurtech Insider!
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442. Insights: Are fintech hubs dead?
Simon Taylor is joined by some great (and very international) guests to talk about the future of fintech hubs. Do we need them? Is location no longer important post-pandemic?
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440. Insights: Credit scoring for US immigrants - It's a political issue
Sam Maule is joined by some great guests to talk about credit scoring for US immigrants. What are the problems US immigrants might face when trying to build up a credit score once they've arrived in North America?
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69. News: Lemonade goes public and travel insurance covers COVID-19
Nigel Walsh and David Brear are joined by a panel of guests to talk through the latest news in the insurtech and insurance world including Lemonde goes public and the Post Office brings back travel insurance...with coronavirus cover! All this and much more on this week's Insurtech Insider!
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439. News: Wirecard fallout - fintech’s Enron moment?
Sam Maule and David Brear are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Wirecard “loses” €1.9 billion, the US banking sector is seeing huge growth, despite (or because of) the pandemic and Goldman Sachs’ CEO makes a cameo in 'Billions'.
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438. Insights: PPP - How digital providers helped rescue SMBs
Sam Maule is joined by some great guests to talk about PPP lending during the COVID-19 pandemic. On today's show we are taking a look at the process from the lenders perspective!
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437. News: Stop, collaborate and listen - Amazon and Goldman Sachs team up
Jason Bates and Simon Taylor are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Goldman Sachs teams up with another tech giant as it launches credit lines on Amazon, Monzo raise funding but lose valuation and WhatsApp launches payments in Brazil. All this and much much more on today's FIntech Insider News.
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436. Insights: COVID-19 and the underbanked in the US
Sam Maule is joined by some great guests to discuss the state of the underbanked in the US and how COVID-19 is affecting this group of underserved people.
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68. Life insurance COVID-19: If you're honest, you're covered
Sarah Kocianski and Nigel Walsh are joined by a panel of guests to talk through life insurance during the pandemic. Does your existing life insurance policy cover you during the pandemic?
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435. News: Is now a good time to launch a challenger bank?
Sarah Kocianski and Ross Gallagher are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Vivid Money launches digital banking services in Germany; the pandemic savings surge forces Goldman to shut Marcus to new UK clients; and Islamic finance startup Wahed closes $25M funding round to grow their Saudi Arabia hub.
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434. Insights: transforming financial services infrastructure post COVID-19
Sarah Kocianski is joined by some great guests from Equinix, Mastercard and RTGS to discuss the long-term business transformation and the need for agile infrastructure in financial services organisations in response to the COVID-19 crisis.
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433. News: Financial services community take a stand in support of Black Lives Matter
Leda Glyptis and Simon Taylor are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Financial services community take a stand in support of Black Lives Matter; Starling and Marqeta’s new raises; and TrueLayer team up with the UK Government on Open Banking.
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432. Insights: How could open finance shape the future of financial services?
Adam Davis and Sarah Kocianski are joined by some great guests to discuss open finance - what it is, how is could work and what learnings it could take from open banking, with an expert panel of guests from Plaid, RBS and the OBIE.
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67. News: Drones for the NHS, and new fund raises despite COVID-19
Sarah Kocianski and Nigel Walsh are joined by a panel of guests to talk through the latest news in the insurtech and insurance world including drones for the NHS and some big funding rounds despite COVID-19!
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431. News: Shopify’s stratospheric rise and foray into fintech
Sam Maule and David Brear are joined by some great guests to talk about some of the most interesting US news stories of the last 7 days, including: Shopify’s many new announcements and move into fintech; Bank of America leak exposes business details of PPP relief applicants as applications across the board decline; and Animal Crossing offers new ways for people to make money in lockdown.
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!
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?
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.
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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
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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...
960
Insights: The future of Revolut with UKCEO Francesca Carlesi
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Insights: The future of Revolut with UKCEO Francesca Carlesi
