Global

Article
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Unfiltered

Could femtech be better at solving banking problems than fintech?

“Money is a matter of functions four: a medium, a measure, a standard, a store.”But, money is also a form of communication. Money has the power to communicate success, shame, inadequacy, desire, isolation, disdain, greed, support, addiction and resentment. Talking money is also one of society’s greatest taboos. Femtech has had to tackle its own set of taboo topics, so in the spirit of International Women’s Day I’m looking at a thing or two fintech could learn from femtech. 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.

6min read
Article
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jobs to be done,

3 ways to create a culture that fights the customers’ corner

Customer-centricity is a phrase that’s been used and abused over the last decade. But what does it mean in practice and how can Jobs to be Done make it happen?

4min read
Article
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Unfiltered

Are fintechs really here to fix users’ finances?

I’ve worked in fintech for 10+ years now, since before it was a popular term, and long enough to see multiple hype cycles come and go. One of the more enduring fintech themes in that time has been “financial education” and, more recently, “financial health”. These are linked but there are some important conceptual differences! 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.

5min read
Article
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Design

Why being loveable is better than being viable

TL;DR – Creating something new is hard, because the idea and design is the easy part. Anyone can have an idea. Getting it in the hands of the customer is the hard part. This is why a Minimum “Loveable” (not “Viable”) Product is your new best friend.

5min read
Article
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Payments

The problem with payments

SMBs are the lifeblood of most economies. In the UK alone they make up 99.9% of all private sector businesses and employ 60% of all private sector workers. Yet they are chronically underserved by incumbent financial institutions (FIs) across all segments.

4min read
Article
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Unfiltered

The most interesting digital-only banks don't get enough attention

The third episode of our brand-new video series, Decoding: Banking as a Service, is here! If you missed it (or any of the others) catch up here. Here’s a rundown of this episode if you prefer reading to watching 📖

5min read
Article
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Fintech Insider

Fintech Insider from an insider: my top 11 moments

Fintech Insider is going on the road and taking our live show to OP’s Slush after party!

6min read
Article
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Culture

Becoming truly digital requires organisational culture change - here’s how to do it

Nearly a year ago now (how time flies during a global pandemic) we wrote that there’s never been a more important time to be truly digital. Little did we know that this would ring truer today than it did then!

3min read
Article
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Unfiltered

Your brand matters more than your features

For anyone launching a new product, there are probably hundreds of questions on their mind. One of these is likely to be whether brand relevance or feature parity is more crucial to a product’s success. 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.

5min read
Article
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Unfiltered

Why the FS industry needs to grow green fingers, ASAP

Like everyone else locked down here in the UK, I’ve been working my way through Netflix at an unrelenting pace... 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.

7min read
Article
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Product

Product teams: the secret to fintechs’ success?

It’s not often that we see regulation pre-empting innovation – rarer still to see it drive innovation forward.

4min read
Article
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The case for integrated QAs in tech teams

You would think that with all the ‘digital transformation’ in banking, the CIO would be king. And yet it doesn’t feel that way from within the CIO’s office.

5min read
Article
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Unfiltered

Why are financial services brands fundamentally irrelevant for the most important moments in our lives?

Financial services brands are still fundamentally irrelevant for many of the most important moments of our life. But why is this? 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.

5min read
Article
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Our fintech predictions for 2021

It’s 2022! And we’ve got a sneaking suspicion this year is gonna be one to remember.

5min read
Article
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Banking as a Service

7 takeaways from the final episode of Decoding: Banking as a Service

The final episode of our brand-new video series, Decoding: Banking as a Service, is here! If you missed it (or any of the others) catch up here. Here’s a rundown of this episode if you prefer reading to watching 📖

5min read
1052
podcast
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Fintech Insider

1052.News: AI agents are trading, Monzo is retreating, and Wise is coming for the banks

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

71min listen
1050
podcast
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Fintech Insider

1050.News: Starling launches UK’s first agentic AI banking, Paymentology’s WhatsApp neobank and Turkey SEPA expansion

About this episode: 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. This week's guests: David Sullivan -

68min listen
1048
podcast
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Fintech Insider

1048. News - After Dark: Robinhood's family plan, Irish banks team up to take on fintechs, and did Year in Monzo go too far?

Our expert host Ross Gallagher, and co-host Jamie Campbell, Co-CEO of 11:FS Holdings, present Fintech Insider News live from Village Underground in London, joined by some fantastic guests to discuss some of the interesting fintech and financial services stories of the week.

57min listen
1047
podcast
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Fintech Insider

1047. Insights: Can you launch a start-up in 2026? Live from J.P. Morgan Payments

Recorded live from J.P. Morgan’s e-commerce and fintech forum, 11:FS CEO David M. Brear is joined by an all-star panel to tackle a deceptively simple question: can you still launch a startup in 2026?

53min listen
1046
podcast
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Fintech Insider

1046. News: Revolut is a bank, Lloyds wants to be a fintech - we're just as confused as you

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.

53min listen
1045
podcast
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Fintech Insider

1045. Insights: Has the banking battlefield evolved - and is Revolut built for it?

For years, banking has been framed as a battlefield: incumbents defending their turf while fintech challengers attack with better tech and customer experience. But in 2026, that picture may have changed.

50min listen
1044
podcast
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Fintech Insider

1044. News: International Women’s Day: Why the future of wealth is female - and how fraud disproportionately affects women

Host Laura Watkins (Director of Media and Marketing at 11:FS) is joined by a brilliant panel to unpack these topics before diving into some of the biggest fintech stories of the week.

60min listen
podcast
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Fintech Insider

1042. News: Is Klarna a reality check for fintech IPO hopes?

Host David M. Brear, CEO of 11:FS, is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.

68min listen
1041
podcast
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Fintech Insider

1041. Insights: How to build a high-performing product team

In this episode of Fintech Insider Insights, Kate Moody is joined by an expert panel of product leaders to unpack a question every startup and scale-up eventually faces: how do you build the dream product team?

50min listen
1040
podcast
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Fintech Insider

1040. News: Is this a once in a generation opportunity to change up the UK payments system?

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.

63min listen
1039
podcast
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Fintech Insider

1039. Insights: Stablecoins, clearing and the future of payments with Emma Hagan, UK CEO of ClearBank

In this episode of Fintech Insider, David M. Brear sits down with ClearBank’s UK CEO, Emma Hagan, to explore how the UK’s first new clearing bank in over 250 years is reshaping financial infrastructure from the ground up.

40min listen
1038
podcast
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Fintech Insider

1038. News: What happens when the world's biggest YouTuber buys a fintech?

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.

58min listen
1036
podcast
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Fintech Insider

1036: News: Checkout strikes a chord with Spotify as Nubank, Revolut and Starling set their sights on the US

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.

59min listen
1035
podcast
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Fintech Insider

1035: Insights: Six predictions that will reshape customer experience in financial services

What’s next for fintech UX in 2026? Ross Gallagher, Head of Consulting at 11:FS, is joined by some great guests to break down six financial services UX predictions from the latest 11:FS Pulse Report, covering the shifts shaping digital banking, customer experience, onboarding, product design, and user research.

55min listen
1034
podcast
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Fintech Insider

1034. News: Was Brex a bargain buy for Capital One?

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.

62min listen
Video
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11:FS Pulse

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!

7min watch
Video
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11:FS Pulse

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?

5min watch
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
Video
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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
Video
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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
Video
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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
Video
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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
Video
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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
Video
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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
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
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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

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