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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.
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?
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.
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.
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.
The forever banks - how private banks are still unfazed by disruption
11:FS has come a long way in a short time, and as the company has grown up, so must the branding. It's time to sit down, take stock of how we look and sound and fine-tune our identity.
The future of AI in finance doesn't look like ChatGPT
We were lucky enough to catch up with Ben Metz, Head of Digital at Jack Henry. Here, he predicts who’ll come out on top in the banking war: the traditional players or the challengers, and what will decide who wins and loses.
Fintech will unlock the true essence of Islamic finance
Fintech has a big part to play in the fight against climate change and can help solve financial exclusion for millions worldwide. This article is the first in a trilogy on fintech for good. You can find the link to the second at the bottom of this one.
PSD3 is an innovation red herring
Take a peek behind the scenes of 11:FS Pulse. Keep reading to learn about the process 11:FS designers use to keep the Pulse product relevant, user friendly and ahead of the curve with a run through of the latest application of our design process.
Your product is only 20% unique (but that’s where you win)
I'm going to start with an unpopular opinion that we proposition design purists like to convince ourselves isn't true: sometimes it's ok to launch a clone.
It’s time to make year-end reviews more human
Hot on the heels of Revolut’s mega funding round and newly minted unicorn status two weeks ago comes another piece of good news for the European fintech industry — Swedish commerce platform iZettle is set to IPO.
What does legacy really mean?
One notable group of firms are missing from the initial Libra founding members: banks. So what could Libra mean for them?
How the financial services sector can win the war for tech talent
So you’re looking to scale agile Agile has become the status quo for most organisations delivering digital services. In recent years, conversation in the enterprise agile community has shifted to scaling agile.
Your community has to be at the heart of everything you do
I don’t know if I think about the Roman Empire every day, but awards submissions? I can’t seem to escape them.
Why every business should care about FedNow
The Federal Reserve hasn’t changed its payment system in more than 50 years. And while it’s operated with relative stability for that duration, the needs of businesses and their customers have evolved.
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Insurtech Insider Episode 20: Life Insurance
On the latest episode of Insurtech Insider, Sarah sits down with Jonathan Roomer and Oliver Ralph to discuss Life Insurance. Sarah also has a couple of great interviews with Adam Erlebacher and David Vanek.
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237. News: You've got to spend money to make money
On this week's news show, Ross and David are joined by a great pair of guests, Eric Fulwiler and Teana Baker-Taylor to talk about the latest and greatest fintech news stories this week.
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236. Interviews: Howard Lindzon - the Angel investor
Sam Maule interviews Angel investor Howard Lindzon on what it means to be a CEO, being in the right place at the right time, data, and the value of scarcity.
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55. Unlocking Institutional Capital in Crypto
On this week’s episode, Sarah and Sara sit down to discuss some of the most intriguing stories in blockchain as investors get serious about crypto. We also bring you a panel on institutional crypto led by Simon at the Europa conference.
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235. News: Death is [still] no excuse!
On this week's news show, Sarah and Simon are joined by a great lineup of guests including: Bryan Glick, Nina Mohanty, and James Safford to discuss the latest and greatest news in the fintech space.
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234. Insights: Legacy to Cloud
Today's show charts out the banking journey from legacy to cloud. Simon Taylor explores how old programming languages have created a new kind of cowboy, untangling legacy systems, and how banks should approach the powers of AI - which isn't quite the magical word everyone hopes it is.
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54. Is Crypto Going Mainstream?
Simon and Sara are joined by Noelle Acheson and Joon Ian Wong from Coindesk to talk about the latest and greatest blockchain news. Including a brilliant tweet of the week.
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Insurtech Insider Episode 19: SMB Insurance
On the latest episode of Insurtech Insider, Sarah and Nigel sit down with SMB insurtech experts to give you an enlightening discussion on how SMBs are starting to have access to tailor-made insurance policies and what insurance they need. Joining our hosts today are Alex Wheal, Commercial Client Manager at Hiscox and Ania Kubow, Co-founder of Nimbla.
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233. News: We no longer need traditional banks
On this week's news show, Sarah and David are joined by journalist Monty Munford and Husayn Kassai, CEO of Onfido to discuss the latest and most interesting news in the fintech space.
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232. 11:FS Presents One Fintech Nation - Bringing the Nation Together: The Network Effect
In our final One Fintech Nation episode David takes a look at how fintechs and banks can work together. Our series with Tech Nation has looked at fintech solving real problems, UK fintech from an international perspective, and what's happening in UK fintech outside of London. This episode brings it all together.
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53. Is Anyone Doing Decentralisation Right?
Sarah and Sara are joined by Maya Kumar from Luno to talk about the latest news in the blockchain world.
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231. News: Death is no excuse
Simon is our lone host on the show today. But he's joined by our four fantastic guests: Freddy Kelly, CEO of Credit Kudos, Veronique Barbosa, Co-founder and COO of FLUX, Tanya Andreasyan, Editor at Banking Technology, and Philip Clarke Founder of Hunch.
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52. Cryptowinter is Coming......or Not?
Sarah Kocianski is joined by Pete Rizzo and Anastasia Andrianova to discuss the latest news in the blockchain world.
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230. 11:FS Presents One Fintech Nation - Fintech for Good
In this episode Sarah takes a look at how fintech in the UK is making positive changes for all kinds of people. In association with Tech Nation we examine what real problems fintech is solving for customers across the country.
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Insurtech Insider Episode 18: Accelerators, Hubs, and Innovation Labs
On the latest episode of Insurtech Insider, Sarah sits down with insurtech experts to give you an intense roundtable on accelerators, hubs, and innovation labs. Joining our host today are:James York, CEO and Founder, Worry+PeaceLiam Gray, Head of Research & Partner Management at Startupbootcamp InsurTechTshidi Hagan, Program Director at StartupbootcampTobias Taupitz, CEO and Co-founder at Laka
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
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Insights: The future of Revolut with UKCEO Francesca Carlesi
