
Over the past twelve months, we’ve been seriously busy here at 11:FS. Now we’re announcing arguably the most exciting project we’ve ever taken on.

That’s what 11:FS bank building guru Jason hears when he tells people that he’s just spent the last two years building a new digital bank, and they’re right!

The Pulse team spends their time trawling through the world of banks and fintech apps, sorting the good from the bad so you don’t have to.

In this blog post Simon Taylor explores the concept of a Central Bank Digital Currency and why you would want a DLT (or “Blockchain”) like architecture for such a system.

If you missed Part 1 of this 2 part piece then you can catch it here and catch up with the rest of the class: BaaP (Banking as a Platform) Part 1 – Why haven’t we seen a banking platform play?

The landscape for fintech and banking is evolving more rapidly than ever, and in case you weren’t aware, there’s a war going on for your customers. With challengers attacking from left, right, and centre, it’s never been more important to stay on top of the latest and greatest UX innovation. Pssst – click here to go straight to the goods and request a demo of 11:FS Pulse.

The opportunity to change the way we deliver financial services is changing as new channels, products and partnerships are being explored. Banking as a Platform (BaaP) is one of the alternatives.By me, David M. Brear, CEO and Co Founder at 11:FS and Pascal Bouvier, Venture Partner at Santander InnoVentures

While 2015 was just awesome on nearly all fronts, I think the close of the year has left us with a cliff hanger that George RR Martin would be rather proud of. For the curious among you, the question remains what’s next? What will 2016 bring? Across the actors and audiences, we feel there are the 9 questions we need to answer to be able to gauge who the winners and losers in 2016 banking will be. To get to the bottom of these questions, we have given our opinion, have asked a panel for their inputs and have asked a few expert friends of Think Different Group also for theirs.

“Hey Siri – Are you the bank of the future?”… “No comment, David” – Sometimes when someone says no comment that means no but when the thing saying it is a computer assistant then “no comment” means someone has taken the time to think about it and decide upon a snarky comment rather than nothing at all! For years AI has been a good idea without real world application or the processing power, connectivity or interface intelligence to maximize the opportunity. In the last 6 months, and ever increasingly, those restrictions are being removed unlocking huge potential.

We asked some of the 11:Mamas what they think we do. Here's how that went.

As consumers order the new Apple Watch, could this eventually be the missing piece of banking’s ‘branch of the future’? With secure digital payments, facilitated through the iPhone and Apple Watch, is this the potential game changer everyone has been waiting for? This article was first published on the Financial Brand in April 2015.

Legacy banking organizations are filled with career bankers who are set in their ways and naturally resist change. These managers can stifle the creativity and innovative spirit of others, impacting the ability for the organization to make needed transitions and remain competitive. What type of banker are you? Banks have been talking about a legacy holding them back for decades, but usually this discussion revolves around IT, core banking systems, distribution channels and traditional operation processes. This article was first published on the Financial Brand in July 2015.

We. Are. Here. Today we bring you: David Marcus Makes Senate Plea, SWIFT go Supersonic in Singapore, and Who let the DAWGs out! All this and much more on today's Blockchain Insider.

Sarah and Nigel are joined by some fantastic guests today to talk about Fintechs and Insurtechs teaming up!

David and Sarah are joined by some great guests to talk about some of the most interesting stories of the last 7 days. Including: British fintech booms with 2019 set to be a record year for investment, SoftBank bets big in South America, and Facebook to be fined $5bn! All this and much more on today's Fintech Insider News!

In today's episode, we bring you an amazing interview with John Glen MP, Economic Secretary to the Treasury! David Brear meets him at Her Majesty's Treasury, to talk about his role, what excites him about London's booming fintech scene and so much more!

We. Are. Here. Today we bring you: Keep Big Tech out of Finance, Binance burns bucketload of BNB, and Trump hates Bitcoin. And Libra! All this and much more on today's Blockchain Insider.

Simon and Laura are joined by some great guests to talk about some of the most interesting stories of the last 7 days. Including: Deutsche Bank braced for severe cull as head quits, Government-owned bank 'forging signatures' in repossession cases, and Fintech is the ‘new normal' with 55% of consumers regular users! All this and much more on today's Fintech Insider News!

In today's episode, we bring you an interview with Michael Jaconi, CEO of Button! Sam Maule meets him in a New York penthouse, to talk about all things Button!

We. Are. Here. Today we bring you: Brazilian bank, Tezos and $1 Billion, IBM tries to make paper the past, and Swiss STO's. All this and much more on today's Blockchain Insider!

This week on Insurtech Insider Sarah Kocianski brings you a series of interviews recorded at an event 11:FS held in partnership with the FCA and the HM Treasury. Interviews include: John Glen, MP and Economic Secretary to the HM Treasury, Francesca Hopwood Road, Head of RegTech & Advanced Analytics at the FCA and many more!

On our latest and greatest instalment of After Dark, Simon, Leda and Jason are joined by some great guests to talk about some of the most interesting stories of the past week. Including: Why can't big banks and fintech get along? Jaja pays £530M cash to acquire the Bank of Ireland's UK credit card business, Zuckerberg and Libra's world domination looms larger and much more!

We. Are. Here. Today we bring you: Libra fallout continues, Polkadot, and tethery’licious volume! All this and more on today’s blockchain insider!

David and Simon are joined by some great guests to talk about some of the most interesting stories of the last 7 days. Including: BoE welcomes tech companies for the first time, Revolut eyes big bucks before IPO and Monzo’s second billion!

In today's episode, we bring you a series of interviews with the people behind some of the most interesting companies in the payments, straight from Money20/20 in Amsterdam! Interviews include Harsh Sinha from Transferwise, Patrick Gauthier from Amazon Pay, Roland Palmer from Alipay and Mark Barnett from Mastercard!

We. Are. Here. Today we bring you: Libra, libra and more libra, Bank of England's Mark Carney positive on DLT and Bitcoin futures. All this and so much more on today's episode.

Sarah and Nigel are joined by a couple of great guests this week to talk about the most interesting stories happening in insurtech over the past couple of weeks.
Ever wanted to know what’s going on behind the scenes every time we make a payment?
Regulation is essential. It stops banks from going bust or behaving badly.
The invention of the computer revolutionised banking in the 1950s.
Lending has been around for thousands of years and is one of the cornerstones of banking.
They're down, but they're not certainly not out.
Mastercard and Visa are the two biggest credit card networks in the world.
We kick off our Decoding: Banks series with a look at the banking landscape today and how we got here.

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: Coming soon

After Dark - Open Finance: fact or fantasy?

The UK banking battlefield has never been more competitive. Customers expectfinancial apps that are personalised, seamless, and that genuinely make a differenc...


The UK banking battlefield has never been more competitive. Customers expectfinancial apps that are personalised, seamless, and that genuinely make a differenc...

