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I was once told by a very senior guy at a global bank that my attempts to create impact were ‘a bit socialist’. This statement represents an inter-generational misalignment on the expected role of financial services in society. 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.

A few weeks ago I wrote about how banks and fintechs need to work together. Evidently some are taking notice and learning from each other.

Every senior executive knows they need digital, every bank is spending billions on digital projects. So, why has so little digital transformation actually occurred?

Despite global economic headwinds, rising prices and over half of consumers now precisely tracking their subscription spend, 89% of businesses are optimistic about recurring revenue growth for the year ahead. They predict changing customer demand is the top factor that will impact profitability.

You can catch the full Fintech Insider take on the news today at 4pm on the podcast here. It’s been a week so that means we’re back to doing a deep dive on a slightly different story from the news show. I think this one’s a little more exciting than the bigger stories if truth be told. For analysis straight from industry experts subscribe to our podcast Fintech Insider CEO David M. Brear and Sarah Kocianski sit down with Monty Munford and CEO of Onfido Husayn Kassai to discuss all things fintech news, and this week we’re giving you a closer look at the FCA’s regulatory sandbox.

Are consumers experiencing the downside of a booming consumer lending industry?

What is a challenger bank? Who are they actually challenging and does the name even make sense?

The creator economy is defined by SignalFire as the class of business built by independent content creators, curators and community builders, as well as the software and finance tools designed to help them with growth and monetisation.

The first adopters in the digital banking world are beginning to use native iOS features to enhance the customer experience. With Touch ID now a hygiene feature, we are seeing banks introduce and improve upon their Force Touch capabilities. And in the past few months, a handful of brands have taken things to the next level by offering Siri and Messages payments (albeit with a few kinks in the journey). In this article we explore how banks are going native.

A three-part series by 11:FS Non-Executive Director, Lisa Gansky Part 1 – The 3 steps of Digital Transformation

Banks are plagued by a litany of archaic processes and outmoded design. That was just about bearable before the digital age, but is there any room for it today?

Financial education is vital to the success of many new fintechs. After all, if customers don’t know what they need then how are they going to know if a product is useful for them?

Fintechs and the major financial services have been competing against each other for a while now. But that’s not likely to be the best course of action for either of them and now they’re working together.

There’s a lot going on in the world right now, and the reaction from all of us is almost a war effort to ensure society still functions through one of its biggest ever shifts.

We had a great time at After Dark VI, the episode went out last week, and had a massive turn out in both Atlanta and London. And we know you did too! Fintech fans were out on Twitter in force to shout out how much they loved it (especially the emoji wall and rant bucket). Our social media marketing interns gathered together the best ones they could find to share the After Dark VI love.