
Behavioural design is the process of using psychological insights into how people think and act irrationally, to design better products and services. Sounds good, right? But…er… what does that actually look like?

Businesses are slowly awakening to the idea that it's time to consider new sources of growth when it comes to securing their futures. They’ve realised that, sometimes, designing the most engaging customer value propositions requires leaning on the brand strength of other players outside of your domain.

Buy Now Pay Later (BNPL) is one of the hottest trends in fintech. The concept of 0% finance has been around for decades, but it’s caught fire in the last 3 years with new market entrants like Affirm, Afterpay and Klarna transforming how this works for consumers in an e-commerce setting. 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.

While FinTech folk salivate – and the big banks bloviate – about PSD2 and the open banking reforms coming our way in 2018, we wondered whether those outside of this bubble will actually notice? What does PSD2 actually mean for customers?

A Black-owned bank is defined as one in which at least 50% of voting shares are owned by African-Americans. They’re a dwindling force in the States today.

Throughout history, humans have found direction from statements of intent that suggest 'better' ways of living.

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

Nothing’s worse than not having any options, but having too many can be just as bad.

We now live in a world where almost anyone can build and launch innovative, regulated financial products as easily as they can create a Shopify page - that’s the magic of Banking as a Service (BaaS).

As 11:FS wraps up its 5th year in business, we can’t help but think about what the next 5 will look like. And our ambitions are big. It’s only just on the right side of scary.

Richard Brown, CTO at R3, says that blockchain allows us to, for the first time, build systems and technologies that run between different organisations that don’t trust each other and bring them to consensus. This means potentially significant savings for financial services, especially in file reconciliation and manual activity. For blockchain to succeed in finance, multiple firms must work together, and Corda is helping to do just that.

As we roll into 2018 thoughts inevitably turn to the big themes that we might expect (and hope) to see for user experience in the financial services industry this year.

Jobs To Be Done (JTBD) is a theory. Its main aim is to explain why customers start - and stop - using different products and services in the market. Stripped down to the essentials, it’s a fairly straightforward concept first introduced by Harvard professor Clayton Christensen that can be adapted into a useful tool for product development.

Good working culture is impossible without motivation. Therefore, it is essential to follow a model of organisation design that supports the conditions in which motivation can be maximised.

Every Thursday, Leda Glyptis, 11:FS Chief of Staff creates #LedaWrites. This week she turns her attention to planning for the future, accountability and caring about everything.

On this special episode, we're buzzing to be taken over by PensionBee. At their offices on Southwark street, we're with some of the top tier of PensionBee's team to bring you an insight into pensions.

On this week's episode, David, Sam and Simon are sit down with Ahmed Zaidi and Kathryn Harris to discuss the latest and greatest news in fintech.

Sarah Kocianski interviews Co-Founder of Simple Bank, Shamir Karkal. They take a look at what it means to create a product that actually helps customers achieve their goals.

On the latest episode of Insurtech Insider, Sarah and David sit down with Lea Nonninger and James York, shaking up our usual topic-based format we take a look at all the Insurtech news that's happened in the past week.

Today we’re bringing you a special bonus episode of Fintech Insider. Ross sits down with Richard Davies, Commercial Director, TSB to discuss their new design competition. Collaborating with 11:FS, the competition aims to bring in more innovative tools for small businesses to thrive.

On today's show, Sarah Kocianski is with a great roundtable of guests to celebrate Islamic Finance week and drill down on what Islamic Fintech really is.

On this week's episode, Simon and Colin are joined by a great guest, Ville Sointu to talk about the latest and greatest news in blockchain.

On this week's episode, Sarah and Ross sit down with Lois Ollerenshaw and Valentina Kristensen to discuss the greatest and latest stories in fintech.

On this week's episode, Sara is joined by three great guests: Olivia Vinden, Obi Nwosu, and Richard Burton to talk about the latest news in blockchain. Colin also has a great interview with William Mougayar from JM3 Capital.

On the latest episode of Insurtech Insider, Sarah and Nigel sit down with Emil Pfeiffer and Oliver Ralph. Sarah also has two great interviews with Jason Futers and Barney Schauble to get a bit more insight.

On this week's news show Sarah and Simon are joined by our guests: Alexa Fernandez and Ryan Edwards-Pritchard to talk about the latest and greatest fintech news stories this week. We also have a great bit of insight from Doug Bobenhouse on US credit card debt.

On this week's episode, Simon and Sara sit down with Aman Kohli and Ryan Radloff to talk about the latest news in blockchain. Colin also has a great interview with Michael Sonnenshein from Grayscale investment.

In this week's episode, Simon, David and Sarah are joined by a trio of fintech CEOs to discuss the week's news. We have Caroline Plumb, CEO of Fluidly, Anil Stocker, CEO of MarketInvoice and Tom Eyre, CEO of Loqbox, and special reports from Dominic Lindley and Oliver Ralph.

On today’s show, our hosts Ryan and Laura are going to take a bit of a deep dive into the world of digital identity, what is it, why do we need it and how is it changing? We’ll also look at the future of digital identity and see whether it looks bright or dystopian.

On this week's episode, Simon and Sara sit down with Teana Baker-Taylor, Michele Curtoni, and Alex Hern to talk about the latest news in blockchain.
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

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...

