Global

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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.

6min read
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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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Fintech Insider

202 Interview: Ross Dalzell

Simon sits down with Ross Dalzell, Head of Business Banking Product and Propositions at Barclays Bank to discuss the future of fintech, the SME market, and how open banking is set to transform the financial landscape.

21min listen
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Blockchain Insider

41. Twitter Blocks Bitcoin, Monero Splits Opinion & is Ripple a Security

Simon and Colin pick out the latest in blockchain news. Looking at what’s happening to Bitcoin’s twitter turkey, is Ripple a security, and Soros surging into cryptocurrency. We also have an interview with Tim Swanson, George Wolfson, and John Collins when Colin met them at the Deconomy conference.

1h10 listen
201
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Fintech Insider

201 Insights Live: Breaking into Fintech

We’re live at Cass Business School Finance Conference with a panel of movers and shakers in the fintech world. Our host Ross Gallagher is joined by a panel well versed in how to break into and excel in the fintech space. What skills you need, when you need to apply them and what the next generation of fintech talent needs to know.

39min listen
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Fintech Insider

200. 11:FS Turns TWO! Company culture, consultancy, and cupcakes

It’s our Second Birthday and we’ve hit 200 episodes! To celebrate this brilliant occasion and totally planned event we’ve got something a little bit different for you. Bringing you the very best in 11:FS talent we have a panel made up of the least camera shy of our staff members. Hosts Simon, Jason, and David are joined by an allstar group of 11:FS staff including: Ross Methven, Co-founder and Research Lead Ross Gallagher - Principal Consultant Jeff Tijssen, Head of Consultancy Ollie Judge, Head of Media Laura Watkins, Head of Content Creation Sophie Theen, HR & Talent Sadly Sam Maule couldn’t make it to London for the show but we have an interview with him to outline the challenges of consulting and making a startup work in the USA.

59min listen
199
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Fintech Insider

199. Insights: HL Techover

This episode is a very special Takeover from Hargreaves Lansdown’s brand new tech office in Warsaw! Ross and Pete are head up this "techover" joined by some of the company’s top people: Chris Hill, CEO; David Davies, CIO; Chris Worle, Director of Digital Marketing and Michael Glowinski, HL Tech General Manager. You can find us on Twitter @FintechInsiders or @11FSTeam or find us on Facebook, YouTube and Instagram or drop us a line podcasts@11fs.com

1h04 listen
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Blockchain Insider

40. Dodgy Words from Binance, Vitalik Buterin Savages Faketoshi and Bluezelle's CEO Pavel Bains

Simon and Sara hash out the latest in blockchain news. Whether it’s dodgy words coming from binance or Buterin’s incredible take down of a supposed Satoshi, they’re examining what’s going on in the crypto space and what it means.

48min listen
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Insurtech Insider

Insurtech Insider Episode 12: London Market Disruption

On today’s episode, Sarah and Nigel are joined by a cavalcade of insurtech insiders to give you the very best in insurtech roundtable discussion. Will Thorne, Innovation Leader at The Channel Syndicate, Oliver Ralph, Insurance Correspondent at The Financial Times, Bernadine Bröcker Wieder, Co-Founder & CEO, Vastari and Alex Hearn, Managing Director at Slipcase.

39min listen
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Fintech Insider

198. Insights: HMT's International Fintech Conference

We are recording at the International Fintech Conference in London! Simon interviews a bevy of fintech experts for their insights into the next year: - David Duffy, CEO, CYBG and recently named Fintech Envoy to England. - Eileen Burbidge, HM Treasury’s Special Envoy for FinTech and Partner at Passion Capital - Al Lukies CBE, Motive Partners; PM’s FinTech Envoy - Nikhil Rahti CEO, London Stock Exchange Group - Adrienne Harris, Chief Business Development Officer and General Counsel of States Title, Inc. - Imran Gulamhuseinwala, Global Head of FinTech, EY - John Glen MP and Economic Secretary to the Treasury

48min listen
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Fintech Insider

197. News: Clickbait

In this episode Laura Watkins and David Brear take a look at the last week’s top stories, alongside Jeff Tijssen, Monzo’s Leah Templeman and Bud’s Ed Masleveckas.

59min listen
196
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Fintech Insider

196. Insights: Wealth Tech 2018

Recording live at Blackrock’s WealthTech 2018 at Code Node, London we bring you an interview with Blackrock's Stephen Cohen on why wealth finance and tech are going to come together in the near future. We also have a roundtable with practical insight into buzzwords, acronyms, gamechangers, emerging tech and the death of spreadsheets. And to cap things off we have another interview this time with Eileen Burbidge, Partner at Passional Capital, on the major trends of the moment and where wealth sits within that. Hosted as ever by the inimitable Simon Taylor.

57min listen
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Blockchain Insider

39. Coinbase Goes ERC-20, Bitcoin’s Lightning Lift Off and Coinfloor’s Obi Nwosu

On today’s episode Sara Feenan takes point as host while Colin Platt beams in from a faraway French field. Joined by Anthony Macey, the trio discuss Blockchain’s once in a generation opportunity status, Securities, G20 and more! We also bring you an interview with the brilliant Obi Nwosu of Coinfloor.

1h06 listen
195
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Fintech Insider

195. Interviews, IFGS 2018: Alipay, Onfido, InvestHK and More

This show’s slightly different from normal. We recently attended the Innovate Finance Global Summit and had the pleasure of interviewing a veritable host of fintech movers and shakers which we have condensed into one easy listening podcast. It’s your fintech multivitamin for the day.

51min listen
194
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Fintech Insider

194. News: Peter the Leopard

Helene Panzarino, Monty Munford, and Ryan Garner, join hosts Ross and Simon to discuss this week's top fintech and banking stories!

1h09 listen
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Fintech Insider

193. Interview: Chris Skinner, Author - Digital Human

Jason and David speak to Chris Skinner about his new book, Digital Human, following up on his bestseller Digital Bank and its sequel ValueWeb.

30min listen
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Blockchain Insider

38. LIVE: Lightning Strikes Bitcoin and Binance Gets Its DEX on

On today's episode, we are live in front of our very first live audience from Vlerik Business School as Simon, Colin, and Jason are joined by Sara Feenan and Richard Crook to discuss crypto lightning, clueless investors and more! We've also got a great interview with Preston Byrne who can't quite believe where we are.

1h10 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
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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.
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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.
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fintech Insider

Insights: The future of Revolut with UKCEO Francesca Carlesi

1h2 listen