Global

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FinTech Connect

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.

5min read
Article
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Buy Now Pay Later

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.

5min read
Article
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BaaS

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?

5min read
Article
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Lending

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.

5min read
Article
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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
Article
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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
Article
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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
126
podcast
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Blockchain Insider

126: Are banks banking on crypto in 2020?

We. Are. Here. Today we bring you: Brave blasts past 10m active users, German banks banking on crypto in 2020, and what will Jack Dorsey find whilst living in Africa? All this and much more on today's Blockchain Insider!

45min listen
55
podcast
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Insurtech Insider

55. Wealth/Insurtech crossover

On the latest instalment of Insurtech Insider, hosts Sarah Kocianski and Nigel Walsh are joined by a panel of insightful guests to talk through the intersection of wealth management and the insurance industry. All this and much much more on today's Insurtech Insider!

43min listen
381
podcast
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Fintech Insider

381. News: Zopa funding drama

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: Natwest and RBS problems on Black Friday, Goldman puts the brakes on Marcus’ UK expansion and Roger Federer breaks the Swiss mint.

52min listen
380
podcast
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Fintech Insider

380. After Dark: A Fintech Christmas Carol

In this very special edition of Fintech Insider, David Brear, Simon Taylor, Sarah Kocianski and Jason Bates are joined by some great guests at the Revolut HQ for the latest instalment of After Dark. In the spirit of Christmas, join us as we journey through the past, present and future landscape of financial services!

1h listen
125
podcast
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Blockchain Insider

125. Jamie Bartlett: Still searching for the Missing Cryptoqueen

We. Are. Here. Today we bring you an interview with Jamie Bartlett, co-writer and co-host of The Missing Cryptoqueen podcast.

56min listen
379
podcast
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Fintech Insider

379. News: Is Goldman Sachs going mass market?

Simon Taylor and David Brear are joined by a trio of terrific guests to talk about some of the most interesting stories of the last 7 days, including: Plaid's European expansion, Westpac chief quits amid money laundering scandal and RBS' Bo moo-ves into the market. All this and much more on today's Fintech Insider News!

1h03 listen
378
podcast
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Fintech Insider

378. Interviews: Robinhood Snacks - Investment content simplified

Sam Maule is hosting in New York and this week he's joined by Jack Kramer and Nick Martell from Robinhood Snacks!

46min listen
124
podcast
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Blockchain Insider

124. Venture Bingo & Cryptomaximalists

We. Are. Here. Today we bring you: JP Morgan to finance blockchain-based inventory system, the UK confirms the legal status of cryptoassets, and 25,000 Chinese blockchain firms are accused of issuing their own tokens. All this and much more on today's Blockchain Insider!

37min listen
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Insurtech Insider

54. Automation in insurance: Computer says no!

On this week's episode, Sarah Kocianski is joined by some great guests to talk all things AI and automation! What are the benefits of automation? Can you truly automate an entire claims process? All this and much much more on today's Insurtech Insider!

44min listen
377
podcast
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377. News: Fintechs for sale!

Sam Maule and Will White host this week's news show from NYC and are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Chime rings in the new year in style, Silicon Valley’s reality check with California’s new consumer privacy laws, and Barclays harnesses puppy power to ease students’ money stress.

52min listen
377
podcast
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Fintech Insider

377. Fintechs for sale!

Sam Maule and Will White host this week's news show from NYC and are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Chime rings in the new year in style, Silicon Valley’s reality check with California’s new consumer privacy laws, and Barclays harnesses puppy power to ease students’ money stress.

52min listen
123
podcast
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Blockchain Insider

123. Bitcoin or britcoin?

We. Are. Here. Today we bring you: Andreessen Horowitz leads $25M funding round, the argument for why the UK should have its own cryptocurrency, and Brave browser introduces crypto-coin rewards for your fave websites. All this and much more on today's Blockchain Insider!

42min listen
375
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Fintech Insider

375. News: Everything is fintech!

Sarah Kocianski and Simon Taylor are joined by some great guests to talk about the most interesting fintech stories of the last 7 days. This week our stories include: Google's offering of checking accounts, Facebook launches Facebook pay, and HSBC and RBS' new digital banking platforms! All this and much more on today's Fintech Insider News!

52min listen
374
podcast
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Fintech Insider

374. Insights: The importance of cashflows for SMEs - Live at Xerocon

This week we bring you an episode of the podcast recorded live at Xerocon London 2019! David Brear is joined by a fantastic panel of guests to discuss and debate the importance of cash flow for SMEs in this combined news and insights show!

50min listen
122
podcast
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Blockchain Insider

122. ETH 2.0, Bitcoin the asset & blockchain for banking

We. Are. Here. Today we bring you: Bakkt's biggest trading day to date, North Korean crypto money laundering, and Ray Dalio's take on broken financial systems. All this and much more on today's Blockchain Insider!

47min 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
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