Global

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Why the future of fintech depends on empowering SMBs

While consumer-focused fintech has seen waves of innovation since the early 2000s, the small and medium-sized business (SMB) sector has remained comparatively underserved.

2min read
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Agentic AI is reshaping financial services

Unlocking agentic AI’s upside demands rethinking how humans and systems share control, rebuilding data and API foundations, and scaling autonomy in measured steps with rigorous human-style QA

10min read
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How digital payouts offer a competitive edge to insurers

In the highly competitive insurance sector, customer experience is a critical differentiator. While insurers focus on policy features and premiums, the claims payout process is often overlooked, creating a significant point of friction.

3min read
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Culture

I’ve incentivised innovation, why isn't my team innovating?

At one of our Truly Digital After Dark events, Anne Boden said “if you call yourself digital, you’re not digital”.

4min read
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Tackling fraud in real time: balancing speed and security

The term ‘technical debt’ has been around a long time in software engineering. It shares some common characteristics with financial debt: You can accumulate it, you can ‘pay it off’.

5min read
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5 fintechs to watch in Asia

The fintech scene in Asia is booming. In recent years, the region has developed rapidly, with a diverse array of startups and established banks transforming how financial services are delivered and consumed.

4min read
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How internal adoption fuels successful embedded finance solutions

Payments in the Middle East are evolving. The payments landscape in the Middle East has stood at an important tipping point for some time.

4min read
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We won Consultancy of the Year 2025!

The U.S. Treasury and the Office of the Comptroller of the Currency (OCC) both hit the headlines with fintech-related announcements. Treasury released a 222-page report on the subject of Nonbank Financials, Fintech, and Innovation, while the OCC almost immediately followed with the news that it would finally begin accepting National Bank Charter applications from fintechs, in line with Treasury recommendations.

3min read
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Execution is everything: Why speed x quality wins the day

How do I create the 5 year plan for 8 software releases a day? This is one of my favourite lines from an old school bank executive. It happened live on stage in front of 500 people when I made the point that challenger banks are now operating at 8 releases per day. It might seem nerdy, but why does it matter how often banks release new software?

5min read
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Are you selling or partnering with banks?

The fintech ecosystem is currently going through an exciting phase. Startups that were once considered young and immature like Monzo, Revolut, or Airwallex have grown into established financial companies. At the same time, incumbent banks are getting better at engaging and investing in fintech. The two worlds are converging and sparking new opportunities for partnerships.

6min read
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UX

Introducing the new Brand Page on 11:FS Pulse

Bonjour! Comment allez-vous? France’s fintech star is rising. With over 1100 of them based in the capital alone, junior minister Cédric O has promised that Paris will eclipse London as the fintech hotspot in Europe in the near-distant future.

3min read
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VR & AR: Transforming the Fintech Landscape

Asking the wrong questions will only ever lead to the wrong solutions. That’s why we lean into Jobs to be Done at 11:FS. It’s based on the notion that there’s no use in asking what the customer wants, because they don’t actually know. 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.

4min read
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Wealth management

The forever banks - how private banks are still unfazed by disruption

11:FS has come a long way in a short time, and as the company has grown up, so must the branding. It's time to sit down, take stock of how we look and sound and fine-tune our identity.

5min read
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Fintech Insider

326. Fintech Insider Live at FusionONE - a new era of finance

We are coming to you live from FusionONE! In this live episode, Simon and Sarah are joined by some great guests to talk about the new era of finance being shaped by open platforms, emerging technologies, and the rise of the talent in the developer community.

43min listen
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Blockchain Insider

99. Blockchain for mashed potatoes

We. Are. Here. Today we bring you: Facebook and crypto...the love story continues, Central Bank Digital Currencies and Is your Wine Legit? Ft. EY & a blockchain!

52min listen
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Insurtech Insider

41. Shutting down Gatwick

Sarah and Nigel are joined by some fantastic guests today to talk about drone insurance, a topic that we have been very excited about for a long time (it has just taken us a while to get this episode together) so here we are!

41min listen
325
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Fintech Insider

325. News: Apple has my face

David and Sam are bringing you this episode directly from New York! Joined by some great guests they will talk you through some of the most interesting stories of the last 7 days. Including: Big bank investments into savings programmes and !

55min listen
324
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Fintech Insider

324. Insights: BlackRock WealthTech19

Simon is at Blackrock's WealthTech19 summit at Code Node in London, where he is surrounded by a wealth(!) of knowledge and experience!

1h03 listen
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Blockchain Insider

98. Do the crime, do the time

We. Are. Here. Today we bring you: JPMorgan says Bitcoin’s price has pumped beyond its intrinsic value, The Most Expensive Lesson Of My Life and 10 thousand dollars worth of pizza!

54min listen
323
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Fintech Insider

323. News: They're coming for Monzo!

Sarah and Adam are joined by some great guests to talk about some of the most interesting stories of the last 7 days, and today's panel is all female! (and Adam). Stories include: A remedy for small businesses, a devastating rumour that spread on WhatsApp and what do YOU call your money?

1h02 listen
322
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Fintech Insider

322. Insights: Are mortgages broken?

David and Jeff are joined by some great guests to talk about mortgages. What works, what doesn’t and where things could get better. All this started with a tweet put out by Mr Jeff Tijssen himself.

47min listen
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Blockchain Insider

97. Democratization of Bagholding

We. Are. Here. Today we bring you: Microsoft makes Decentralised Identity a thing you can use and Facebook keeps warming up to Crypto. Oh yeah, and Bitcoin is mooning!

51min listen
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Insurtech Insider

40. What Google won't tell you

Sarah and Nigel are joined by some fantastic guests today to talk about Insurtech UK, an alliance of insurtech startups that today's guests are all a part of. This is also our big 4-0, our 40th episode!

56min listen
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Fintech Insider

321. News: Everything takes money

David and Simon are joined by some great guests to talk about some of the most interesting stories of the last 7 days. Including: OakNorth branch out into mortgages, RBS getting into payments...10 years after leaving and Singapore might follow in HK’s virtual footsteps.

1h04 listen
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Fintech Insider

320. Interviews: Anthony Thomson, Founder of 86 400

Founder of 86 400, Atom Bank and Metro Bank, Anthony Thomson came on to the Fintech Insider podcast to talk with Simon Taylor about the catalyst for creating challenger banks, the problems he's solving and the financial services gaps in Australia.

32min listen
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Blockchain Insider

96. Like FUD off a duck's back

We. Are. Here. Today we bring you: Project Libra, regulators ready Ethereum future approval and Bitfinex and Tether continued…

1h07 listen
319
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Fintech Insider

319. News: I'm sorry, banks

David and Simon are joined by some great guests to talk about some of the most interesting stories of the last 7 days. Including, central banks join the Extinction revolution, Amazon takes on India and how to make your own wearables.

1h04 listen
318
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Fintech Insider

318. Interviews: Innovate Finance Global Summit

We went to the Innovate Finance Global Summit to find out what regulators both home and abroad are expecting to happen in fintech over the next year and much more.

44min 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
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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
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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
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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
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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
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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
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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
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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
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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.
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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