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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How to turn outdated corporate identities into fresh opportunities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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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!
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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!
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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!
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414. Interviews: Nova Credit - scoring, covid crisis and celebrity funding
Sam Maule is joined by Nova Credit co-founder and COO, Nicky Goulimis, to talk about underbanked immigrant communities, the changes that come with a global health crisis and the future of credit.
Technical difficulties - we'll be back next week!
With the move to remote recordings we've had some technical difficulties and, unfortunately, there won't be a Blockchain Insider episode this week. We return next week with more of the latest and greatest in blockchain, crypto and DLT news.
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413. News: Can fintech and bank collaborations help SMEs through coronavirus?
Sarah Kocianski and Leda Glyptis are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Interest rates plummet in the UK and US; contactless limits raised to combat COVID-19; and Bunq goes green all across Europe.
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412. Insights: Fintech and the media - is the narrative changing?
David Brear and Geoff Whitehouse are joined by some great guests to talk about the changing narratives around fintech in the media. Guests on today's show are Emily Nicolle, Tech Editor at City AM and Daniel Lanyon, Managing Editor at Altfi.
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62. Blockchain: Being too early is worse than being wrong!
Sarah Kocianski and Nigel Walsh are joined by Aman Kohli and 11:FS' Simon Taylor to explore blockchain in the world of insurance. All this and much much more on today's Insurtech Insider!
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411. News: Coronavirus - central banks and regulators step in
David Brear and Jason Bates are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: the financial world responds to coronavirus; UK regulators delay non-critical activity because of coronavirus; and Nationwide opens early to serve the vulnerable.
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410. After Dark 11 - Four fintech debates and a rant bucket
In a very special edition of Fintech Insider, we bring you the 11th instalment of After Dark, recorded live in London! Returning to our roots, the original 11:FS crew take the stage to talk about some of the most interesting fintech stories of late and have a little rant about the latest fintech trends and topics.
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135. Crypto vs cash as a safe haven as markets react to coronavirus
We. Are. Here. Today we bring you: Cash is king once again, the Bank of England releases CBDC white paper, and MakerDAO faces an emergency shutdown. Simon Taylor hosts and is joined by Vinay Gupta, founder and CEO of Mattereum and Obi Nwosu, CEO of Coinfloor. All this and much more on today's Blockchain Insider!
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409. News: Banks react as coronavirus impacts global financial markets
Ross Gallagher 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 preps for coronavirus impacts, Standard Chartered detail virtual bank, and Starling joins Team GB!
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408. Insights: Women in fintech: has anything changed?
Sarah Kocianski hosts today and is joined by some wonderful women in fintech to talk about gender, diversity and inclusivity in financial services. Guests on today's show are: Charlotte Crosswell - CEO at Innovate Finance, Wincie Wong - Head of Rose Review Implementation at Natwest, and Evelina Vrabie - CTO at Toucan.
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134. Shopify joins Libra and the first US crypto bank announced
We. Are. Here. Today we bring you: The US’ first regulated crypto bank, Shopify joins Libra and Sweden tests its e-krona. Simon Taylor hosts and is joined by Matthew Pollard, founder of Archax and Helen Disney, founder of Unblocked. All this and much more on today's Blockchain Insider!
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405. News: Is the fintech M&A bubble about to burst?
Host Will White is stateside this week and he's joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Intuit to purchase Credit Karma in landmark deal, JPMorgan wants to build a digital bank in the UK, A hole in the wall is now a tourist hotspot!
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
960
Insights: The future of Revolut with UKCEO Francesca Carlesi
