
Lately I’ve noticed a few banks and fintechs wanting to “get started designing screens right away”. It seems great, but building the wrong thing is worse than building nothing at all.

Over the past eight years, as a fintech founder who happens to be gay, I’ve met with 100+ corporate and institutional investors around the world.

Gary Turner is Co-Founder and Managing Director of Xero, which Forbes described as the “World’s Most Innovative Growth Company.” Xero provides small- to medium-sized businesses (SMBs or SMEs) with ‘beautiful’ online accounting software. Gary helped take Xero from a 3-person startup to a company that will have £150 million in revenue this year.

How do we stay ahead of fraud and financial crime without compromising the speed, ease, and trust that make instant payments so compelling? In this article, Mastercard's Bryan Sharkey explores it all.

When people start explaining how technology can be used to modernise financial services their language instantly becomes fraught with acronyms, buzzwords, and idioms that can make little sense to those both inside, and especially, outside the industry.We have a hunch sometimes people do this to appear smart but we need to do more research!

Sam Maule, Director of Digital & Fintech at NTT DATA Americas, talks to us about how a kid from Detroit became a fintech leader, his new podcast, femtech, and Silicon Valley’s rude awakening.

Goldman Sachs broke the fintechnet this week when it launched its developer portal, intentionally allowing companies to ‘embed finance’ within their organisation using their Banking as a Service (BaaS) offering. Hari Moorthy, Goldman’s Global Head of Transaction Banking, referred to it as “the financial cloud for corporates.” Cue a flurry of emails inside every large bank from CEOs wondering how seriously they should take this. Take it seriously. Take it very seriously.

Let’s start by calling Buy Now Pay Later (BNPL) what it is - debt. Debt, of course, has many faces. But ‘credit, pay in instalments, pay nothing today, etc.’ are all just debt. 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.

Over the past twelve months, we’ve been seriously busy here at 11:FS. Now we’re announcing arguably the most exciting project we’ve ever taken on.

That’s what 11:FS bank building guru Jason hears when he tells people that he’s just spent the last two years building a new digital bank, and they’re right!

The Pulse team spends their time trawling through the world of banks and fintech apps, sorting the good from the bad so you don’t have to.

In this blog post Simon Taylor explores the concept of a Central Bank Digital Currency and why you would want a DLT (or “Blockchain”) like architecture for such a system.

If you missed Part 1 of this 2 part piece then you can catch it here and catch up with the rest of the class: BaaP (Banking as a Platform) Part 1 – Why haven’t we seen a banking platform play?

The landscape for fintech and banking is evolving more rapidly than ever, and in case you weren’t aware, there’s a war going on for your customers. With challengers attacking from left, right, and centre, it’s never been more important to stay on top of the latest and greatest UX innovation. Pssst – click here to go straight to the goods and request a demo of 11:FS Pulse.

The opportunity to change the way we deliver financial services is changing as new channels, products and partnerships are being explored. Banking as a Platform (BaaP) is one of the alternatives.By me, David M. Brear, CEO and Co Founder at 11:FS and Pascal Bouvier, Venture Partner at Santander InnoVentures

This week very special friend of the show Sarah Kocianski is in the hosting seat as neither David, Jason and Simon were available this week. She is joined by guests including Anna Bennett, Nina Mohanty, Liz Lumley and Sophie Winwood.

Simon Taylor and the birthday boy Colin G Platt (still enjoying the beach in sunny Australia) cover the best of the week's news, including the death of SegWit2x, the surge in Bitcoin Cash and the latest on the parity hack. Plus interviews with Michael Casey, advisor, author, speaker and commentator, and Daniel Cotti and David Sutter from TradeIX.

This week we bring you a very special Insights show, recorded live at BBVA's Global Summit in Madrid, where Simon Taylor hosts a panel to discuss the future of banking and disruption with Marko Wenthin, Leanne Kemp, and Elena Alfaro.

David, Jason, and Simon are joined by Fluidly Founder, CEO and OBE Caroline Plumb, and CEO and Founder of Norio Ventures, Pete Townsend for this week's news!

This week, Sam Maule talks to the wonderful Amber Baldet, Executive Director and Blockchain Programme Lead at J.P. Morgan.

Simon and Colin bring you another packed show covering the week's topsy turvy news, including SegWit2x, more on Bitcoin prices, Colin's long thing and some fantastic guests talking e-sports.

This week is an extremely special Halloween episode: After Dark II recorded in front of a live studio audience from our home at WeWork in Aldgate, London, and we're celebrating an important milestone; it's episode number 150!

In a special interview this week, David speaks to Liesbeth Rigter, CEO at MoneYou and Eric Mouilleron, CEO at Bankable, about their partnership and their plans for the future.

David introduces the second installment from our trip to Xerocon 2017, featuring Edward Berks, Director of Sales, Banking and Fintech at Xero, Ian Christie, CEO at Boma Technologies, Margaret Laidlaw, Partner at Mazars, Mark Sykes, Partner at BDO and Anna Curzon, Chief Partner Officer at Xero.

This week, Simon and Colin catch up and the weeks news and talk to Stephen Palley, Software Development Lawyer, and Jeff Bandman, Principal at Bandman Advisors and former CFTC Fintech Advisor.

Sam Maule hosts a very special episode of Fintech Insider from a flat in Toronto! Sam's joined by Mike Sigal from 500 Fintechs (part of 500 Startups), Dion Lisle from CapGemini, Jo Lang from IBM, and April Rudin from The Rudin Group.

This week Jason, David and Simon are joined by Sharon O'Dea, consultant, advisor, and blogger, and Kadhim Shubber, Tech 100 #68 and FT Alphaville journalist to discuss the week's top news.

This week Simon and Colin talk through the Bitcoin good news story as well as Tezos, R3, and much more. Plus, we hear Sam Maule talk to Brad Garlinghouse, CEO of Ripple.

This week, we cover David's time at Xerocon, where he hosted a panel on Frictionless Finance featuring Niall Cameron, Global Head of Digital at HSBC, Caroline Plumb OBE, CEO at Fluidly, Colin Goldstein, Head of Partnerships at iwoca, Stewart Roberts, Executive VP at iZettle, and Shachar Bialick, CEO at Curve.

This week Sam is joined by Kris Hansen, CTO at Koho, Dan Eberhard, founder of Koho, Barb MacLean, Director at Celero Solutions and Zac Cohen, General Manager at Trulioo in a special news show brought to you from Toronto, Canada.

Hey, banks! This might sting a bit. You’re getting loyalty all wrong - and it’s costing you customers. But all is not lost!
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?
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.

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...

