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Junior accounts are growing up
Barclays is acquiring the UK arm of GoHenry, a money app for 6 to 18-year olds. With a reported price tag of £180 million for around 500,000 active accounts, £360 per head is a chunky investment.
Positive friction: Why a little resistance helps
For the past decade, the banking industry has been focused on developing frictionless interfaces. Financial institutions have prioritised seamless transactions, instant gratification, and engaging gamified features in a bid to build the ultimate digital financial experience.
Targeted support is coming. But customer decision-making has already moved on.
The need for better, tailored support through the customer experience is clear, but few are accounting for the fundamental shift that financial services has experienced with the introduction of AI.
Financial services must move beyond inertia to cultivate long-term loyalty
Loyalty is defined as “a strong feeling of support or allegiance”. However, in the context of financial services, it is more accurately defined as engineered persistence: a series of subconscious cues that steer customers toward familiar choices.
Phishing-proof by design: The future of banking authentication
For years, banks have relied on OTPs as a second factor for logins and sensitive actions. Sent via SMS, these short codes were designed to add security on top of a password. But they have become one of the weakest and most frustrating parts of the banking experience.
Designing for the human behind the business
The people using business banking tools don’t necessarily have financial backgrounds. Many smaller businesses can't afford a dedicated finance team. Yet banks keep building products that assume expertise their customers don't have, leaving them to figure things out on their own.
The rise of subscription banking and why it needs to fit into customers' lives
As our financial lives become more complex, there is a growing expectation for banks to offer more support, be more relevant, and generate greater everyday value. One of the clearest places this shift is starting to show up is in subscription banking.
Banks must become active partners in financial wellbeing
Around the world, people have instant, around-the-clock access to banking apps and their own financial data. So why do so many people still feel uncertain about their financial future?
Vertical Agentic AI is the next frontier for value creation In financial services
Most AI deployments so far have focused on AI that “talks”, which can search, summarise, and draft content to support employees. The next wave is different: AI agents that “do” are starting to take bounded actions inside workflows, moving cases forward and coordinating steps end-to-end, with humans kept in control where it matters.
Accessibility in finance: Designing a future everyone can use
Financial accessibility has long been framed as a matter of compliance or corporate social responsibility. But today, it’s emerging as something much bigger: a competitive advantage.
The fight to win the salary battle
As the industry adjusts to a new digital landscape, players across the spectrum are fighting to muscle their way into the financial epicentre and ‘win’ the salary battle to become the payday home of their customers.
Personalised payments: enabling the choice and flexibility consumers expect
Consumers are evolving, and so are their expectations and demands. As the purchasing power of the younger, digital-native Gen Z and Gen Alpha grows and older generations become more comfortable with the possibilities that AI and other new technologies enable, businesses have to work harder to keep them happy and retain their business.
Gamification in fintech: Financial literacy or just engagement?
Saving money and paying bills might not sound exciting - but today’s finance apps are borrowing tricks from video games to change that.
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291. News: My relationship is contactless
Today we bring you: Snoop Dogg investing in Klarna, Square launches a debit card for business and digging deep into the Aussie banking scene.
290
290. Interviews: Reuben Lai, Grab Financial Group
Simon interviews Reuben Lai to talk about taxis, ride-hailing and transforming into a fintech
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81. The Best Anti-blockchain Blockchain idea
We. Are. Here. Today we bring you: ConstantiNOple, a look at if Bitcoin was manipulated and you can track your Cobalt on a Blockchain, who knew?
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32: Helene Stanway and the latest news
We are going to be talking about the recent merger between AXA and the XL group and new division’s digital initiatives with Helene Stanway, Digital Leader at AXA XL.
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289. News: Meaningful Merging
Today we bring you: Fiserv acquires First Data in a $22bn deal, The Fed has Reservations about Fintech and finally, Greggs vegan sausage roll helps its stock rocket on Freetrade. All this and much much more on today’s show
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288. Interviews: Steve Bartlett, Social Chain
David interviews Steve Bartlett to talk about education, being social, marketing and media in business.
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80. The Value of Bitcoin
We. Are. Here. Colin and Sara sit down with Anthony Macey, Teana Baker-Taylor and David Nicol to talk about the latest and greatest news in blockchain.
287
287. News: Bank like Rihanna
On this week's episode, David, Jason and Leda sit down with Jeppe Rindom, Saalim Chowdhury and Simon Vans-Colina to talk about the latest and greatest news in fintech.
286
286. Interviews: Howard Marks, Co-Founder, Activison and StartEngine
Simon interviews Howard Marks, Co-Founder and CEO of StartEngine. They take a look at innovating within technological limitations, turning around failing businesses and raising capital.
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79. Regulating Treadmill
We. Are. Here. Simon's joined by Colin, from a field, to discuss the latest and greatest news in blockchain.
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285. News: Techlash
On this week's episode, Simon and Adam sit down with Emily Nicolle and Valentina Kristensen to discuss the latest and greatest news in fintech.
284
284. Interviews: Bart Leurs, Rabobank
Jeff Tijssen interviews Chief Digital Transformation Officer of Rabobank, Bart Leurs. They take a look at all things digital happening in banking and how banks are working to implement digital transformation.
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284. Interview: Bart Leurs, Rabobank
Jeff Tijssen interviews Chief Digital Transformation Officer of Rabobank, Bart Leurs. They take a look at all things digital happening in banking and how banks are working to implement digital transformation.
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78. Blockchain and Crypto Predictions 2019
We. Are. Here. Simon and Colin are predicting all the things that could happen in the world of blockchain in 2019.
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283. Bonus: Blooper Reel 2018
A little bonus to end the year, we're not all perfect here at Fintech Insider. To prove it David's got a quick cut of some of the funniest mistakes we made this year.
Banks are losing the loyalty game | 11:FS Explores
Hey, banks! This might sting a bit. You’re getting loyalty all wrong - and it’s costing you customers. But all is not lost!
3 ways AI is shaking up UX in financial services | 11:FS Explores
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?
Using Jobs to be Done to revolutionise SME Banking | 11:FS Explores
It's not just a buzzword.
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.
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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
