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Does your bank even care that you’re rich?
I’ve been thinking about HENRYs recently. Not the Henry who asked me to marry him - I was 8, he was 5 - although he does cross my mind occasionally. HENRYs, short for ‘High Earners Not Rich Yet’, was coined as a label by Shawn Tully in 2003.
The real differentiator in financial AI won't be intelligence. It will be trust.
If you listened to the headlines, you'd think the competitive race in financial services is about one thing: building the smartest AI. We think that's the wrong way to look at it.
Banks, it’s time to decide what kind of embedded banking player you are
Embedded banking without strategic intent is expensive theatre. Lots of APIs, lots of partnership announcements, lots of pilots, but not much revenue. And that’s the risk facing corporate banks right now.
Trust is the new infrastructure in agentic commerce
AI assistants already help people compare products, check availability and plan purchases. Agentic commerce extends that role to placing the order: a customer sets a budget and a few conditions, then gives the software permission to complete the purchase.
The payday playbook: Designing around the moment money lands
For most people, the month falls into two phases - before and after payday - when balances jump, debts feel manageable, and financial intentions come back within reach. But in most banking apps, payday is treated as a passive event.
The Agentic AI trap: More agents won’t transform financial services
Financial institutions are moving quickly into agentic AI. Coding agents, workflow agents, document agents, service agents and operational agents are already entering the enterprise. Many will create useful gains, some of them genuinely impressive. But that is not the real test.
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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.
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277. News: Sons of Breaches
On this week's episode, Simon and Ryan sit down with Menno van Leeuwen, Guy Stiebel and Paul Stamper to discuss the latest and greatest news in fintech.
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276. Insights. Regtech: where innovation meets compliance
Sarah's hosting a great roundtable with some of the best experts on regtech to find out what matters most in the space and how technology is changing regulation.
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75. Breaks the laws of the universe
We. Are. Here. Simon's joined by our great guest Anthony Macey to discuss the latest and greatest news in blockchain.
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275. News: Ritual Humiliation
On this week's episode, Sarah and Simon sit down with Emily Nicolle, Valentina Kristensen and Sophie Winwood to discuss the latest and greatest news in fintech.
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274. Insights: Open Banking - a never ending story?
Sarah's hosting a great roundtable with some of the people at the heart of Open Banking to find out what's been going on in the space since its launch in January 2018.
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74. Enterprise-grade toddlers
We. Are. Here. Simon's joined by Sara to discuss the latest and greatest news in blockchain.
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Insurtech Insider Episode 29: Partnerships
On the latest episode of Insurtech Insider, Sarah and Nigel sit down with Arslan Hannani and Tim Attia to discuss insurtechs and incumbents partnering together.
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273. News: The zombie account scenario
On this week's episode, Simon and Leda sit down with Dave Cunningham and Ryan Weeks to discuss the latest and greatest news in fintech.
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272. Insights: Live! From Xerocon 2018
David and Sarah bring you this very special bumper episode, recorded live at Xerocon 2018 at the Excel Centre in London. We have some of the best guests in the space, an array of interviews and a special edition of Fintech Insider Live.
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73. The SEC won't let crypto be
We. Are. Here. Simon's joined by great guest, Adi Ben Ari to discuss the latest and greatest news in blockchain.
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270. Insights: Wealth Roundtable
On this week's insights episode, Simon and Sarah sit down with a roundtable of great guests to talk all about wealth and the new models and products emerging in the space.
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72. The code you write has consequences
We. Are. Here. Simon's joined by great guests, Teana Baker-Taylor and Patrick Mang to discuss the latest and greatest news in blockchain.
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Insurtech Insider Episode 28: Sports Insurance and the news
On the latest episode of Insurtech Insider, Sarah and Nigel sit down with Tobias Taupitz to discuss all things sports insurance and take a look at the news.
Bonus: will.i.am and Atom...Boom Boom Pow!
David promised you will.i.am on the podcast before the end of 2018 back in April 2017. On this very special bonus episode of Fintech Insider, we deliver and with just over a month to spare.
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269. News: Mi data, su data
On this week's episode, David Simon and Jason sit down with Sigridur Sigurdardottir and Ali Paterson to discuss the latest and greatest news in fintech.
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...
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Insights: The future of Revolut with UKCEO Francesca Carlesi
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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
