Happy 2023, fintech fans!
I recently sat down with Rhian Lewis, co-founder of Count My Crypto and Sara Walker from IG to discuss which cryptocurrencies could come close to bitcoin. Take a look at some of the points we covered below, or head over to IG to watch the full interview.
The AI revolution is reshaping financial services with the force of a category-five hurricane. The seismic shifts it’s creating are palpable, with generative AI standing at the forefront of this transformation.
Once upon a time, social media and finance apps might’ve seemed like strange bedfellows.
COP 27 came and went last month. It’s now time to look back at what happened and what still needs to happen. What can the climate fintech industry in particular reflect and iterate on as we head into 2023?
Getting tech right in banks is hard. We get this because our experts have worked in some of the biggest financial services institutions and experienced how things can be done differently. In this article, we’ll share some of the insights that we’ve learnt along the way.
Mortgages and ancient sex positions aren’t two things you’d usually put together (or want to read about at the same time, for that matter). But digital mortgage broker Habito has ripped up the rulebook and created a Mortgage Kamasutra book in its place. And we can’t help but respect them for it.
Around the globe, millions are feeling the pinch as the cost-of-living crisis continues. The biggest fall in living standards since records began is forecast in the UK, while inflation rates are starting to cool after a tumultuous year across the pond.
60% of time spent on the internet in China is on WeChat. For young people, this is their primary gateway to financial services. In fact, in China, more transactions now occur, by volume, through non-banks than through banks. James Lloyd, Asia-Pacific FinTech Leader at EY, talks to us about how tech companies like WeChat are filling market gaps left by the banks.
One of the phrases you often encounter when reading things about mental health is "It's OK to not be OK." Whilst I get the sentiment, as someone who has been there, it really isn't OK. It sucks.
We all employ a user-centred design (UCD) approach to inform what products we build and how they should work, but all that customer insight gives us one oft-overlooked learning: the actual language customers use to speak about their problems.
Did you know that when they’re not dishing up masterly analysis, everyone’s favourite web3 wizards - 11:FS Global Strategy Director, Crypto Mauricio Magaldi and Visa Head of Crypto Cuy Sheffield - like to dabble in a spot of divination? I know, right?!
As I sit here trying to write something strictly about fintech, there’s only one thing on my mind: how important it is to have an employer that truly values pregnant employees.
Tottenham Hotspur are completely cashless (and trophyless) at their new stadium. Lionel Messi has launched the ‘Messiverse’ in partnership with blockchain platform Ethernity. Manchester City and Laybuy have teamed up to offer a Buy Now Pay Later (BNPL) service to fans. And that’s just the tip of the iceberg.
We’ve recently made an amazing hire at 11:FS to be our new Chief of Staff, in the digital era that’s huge news and here’s why.

Host Ross Gallagher - Head of Ventures at 11:FS- is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.

Are stablecoins actually breaking into the mainstream financial system - or are they still largely trapped inside the fintech bubble?

Host Benjamin Ensor - Director of Research and Strategy at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.

Host Kate Moody - Customer Strategy Director at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.
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As AI moves from supporting investment decisions to making them, what happens to trust, accountability, and control?

Host Laura Watkins - Director of Media and Marketing at 11:FS- is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.
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In this episode of Fintech Insider Insights, in partnership with Backbase, David Brear is joined by Jouk Pleiter, CEO & Founder of Backbase, to explore why banking may be approaching a breaking point in its architecture.

Advice is regulated and personalised. Guidance is broader and safer - but that line is starting to blur.

Host Laura Watkins - Director of Media and Marketing at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.

Host Benjamin Ensor - Director of Research and Strategy at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.
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What does customer loyalty really mean in financial services - and has it ever been real? In this episode of Fintech Insider Insights, Kate Moody is joined by Rosie Lee, Jas Shah, and Alex Johnson to unpack the shifting nature of loyalty in a world where switching is easier than ever.

Host Benjamin Ensor - Director of Research and Strategy at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.

In this episode of Fintech Insider Insights, in partnership with Pleo, host Benjamin Ensor is joined by Jeppe Rindom (Co-Founder & CEO at Pleo) and Tulsi Narayan (EVP, Commercial and New Payment Flows, Europe at Mastercard) to explore the next phase of embedded finance — as it evolves from a handy feature into critical infrastructure.

Host Laura Watkins - Director of Media and Marketing at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.

Benjamin Ensor is joined by Rory O’Neill, Sahar Attaripour, and Sam Boboev to explore the rise of agentic payments - a fundamental shift from executing transactions to delegating intent.

Hey, banks! This might sting a bit. You’re getting loyalty all wrong - and it’s costing you customers. But all is not lost!
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?
It's not just a buzzword.
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.

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...

