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Flux Founders on Digital receipting and Fintech partnerships
In a beautiful flat on the edge of San Francisco’s sun-kissed Inner Sunset neighbourhood, the inimitable Sam Maule invited a plethora of fintech experts over for dinner. Across two evenings in the run up to our After Dark San Francisco show, Sam serves up chilli, tacos, and foodie fintech insights. You can listen to them here and here. Disclaimer: The food was actually cooked by Ollie Judge, Head of Media at 11:FS.
11 Mobile Trends That Will Delight Your Customers
At 11:FS, we spend a lot of time looking at next-generation mobile trends and technology. Every now and again we come across a product or feature that just blows us away. It can be as simple as a smart integration with another product or as complicated as a whole app that’s powered by bleeding edge technology.
Want to see the best digital banking experiences on the market?
“Thank you to the Academy…” Sure. Classic Oscar speech energy.But do you know what hits harder than a polite golf clap from a panel of judges? Winning when your actual customers vote. And that’s what happened at the 2025 British Bank Awards, where 11:FS was named Consultancy of the Year. Again! 2019. 2020. 2021. 2023. And now 2025.
The digital transformation journey
In her latest column for Forbes, 11:FS Head of Research Sarah Kocianski examines the new set of authentication procedures and how they are being implemented by UK banks.
Lessons from the Ice-Block King, Part One
11:FS are pleased to announce that Lisa Gansky joined us as a Non-Executive Director, on 3rd July 2017.
How to Transform Your Bank - Part 1 - Banking’s Red Queen's Race
As a designer, it’s an all too familiar scenario: you’re about to undertake work on an exciting new digital product or service. It has the potential to have it all, only for you to be handed what all product designers dread - the existing constraints of a rigid and outdated brand playbook. It can certainly feel like a crushing blow. But approached in the correct manner, these constraints can be transformed into an opportunity to take both the product and the brand to the next level.
Digital Banking is 1% done
Digital Banking is only 1% Finished. That’s our motto at 11:FS. You can see it plastered across everything we do, we talk about it at events, and it’s in all of our client work. Taking a paper statement to the telephone, to a website and then a mobile app isn’t where digital banking ends; it’s where it begins. Digital Banking having 99% to go is a statement of optimism, of opportunity and its how you differentiate, as consumer expectations will only grow in the coming years.
What was the Bitcoin fork and what is Bitcoin Cash?
On 1st August at approximately 12:20 UTC, the cryptocurrency known as Bitcoin formally began a process to fork – or split into two- creating Bitcoin Cash, a new currency. It is unclear exactly what the implications of this will be in the long term but here’s a summary of what we know so far:
How to get a job in Blockchain
It’s about trust. Why do banks insist on having everything? Because they think if they only insist on some, they’ll never get the rest.
InsurTech Insider: everything you need to know about InsurTech
Fintech is technology used in the financial services industry, insurtech is technology used in a subset of that industry, insurance. And yet while one is typically considered fascinating, worthy of pages of mainstream media coverage, mention of the other is often greeted with eye-rolling outside of specialist circles.
11:FS announces its American expansion
Sam Maule joins 11:FS as Managing Partner, Americas
Are challenger banks just better legacy banks?
This week I had the super-smart Mariano Belinky tell me that the current crop of challenger banks are really just ‘better mousetraps’.
The SEC's verdict on The DAO tokens: explained
A few weeks ago, I outlined the problems with the financial products that supposedly address small and medium sized businesses’ (SMBs) needs, and how they are chronically underserved by incumbent financial institutions (FIs) across all sectors. Since then, we’ve explored how things are changing in the SMB insurance space and delved into the developments in the areas of bank account opening, payments and loans in our podcasts. I’ve also been busy trying to discover, articulate and demonstrate what “best in class” in this industry looks like in my latest research report.
The virtues of digital : creating a truly digital bank
At 11:FS we like to say that digital banking is 1% finished, well the same is true of Open Banking. The unknown potential of the regulation far outstrips what is being done right now. And that potential has caught the imagination of foreign regulators.
DIGITAL TRANSFORMATION: THE GREAT LIE – Part 3 - The future is a fast moving target
Dave Bruno, Co-Founder at YNOME and Head of WM Innovation at UBS, explains how digital can scale wealth management for everyone.
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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!
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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!
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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!
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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.
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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!
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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.
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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!
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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!
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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!
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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!
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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.
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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.
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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!
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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!
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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!
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.
Fintech Marketing Podcast Season 2 Preview
Fintech Marketing Podcast Season 2: Coming soon
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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
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
