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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.
Banks must become active partners in financial wellbeing
Around the world, people have instant, around-the-clock access to banking apps and their own financial data. So why do so many people still feel uncertain about their financial future?
Vertical Agentic AI is the next frontier for value creation In financial services
Most AI deployments so far have focused on AI that “talks”, which can search, summarise, and draft content to support employees. The next wave is different: AI agents that “do” are starting to take bounded actions inside workflows, moving cases forward and coordinating steps end-to-end, with humans kept in control where it matters.
Accessibility in finance: Designing a future everyone can use
Financial accessibility has long been framed as a matter of compliance or corporate social responsibility. But today, it’s emerging as something much bigger: a competitive advantage.
The fight to win the salary battle
As the industry adjusts to a new digital landscape, players across the spectrum are fighting to muscle their way into the financial epicentre and ‘win’ the salary battle to become the payday home of their customers.
Personalised payments: enabling the choice and flexibility consumers expect
Consumers are evolving, and so are their expectations and demands. As the purchasing power of the younger, digital-native Gen Z and Gen Alpha grows and older generations become more comfortable with the possibilities that AI and other new technologies enable, businesses have to work harder to keep them happy and retain their business.
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.
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.
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
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.
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”.
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16. Eth and Bitcoin forks, Bitcoin all-time high and Ripple vs R3
This week Simon Taylor and Colin G Platt delve into the week's top blockchain and crypto news, and we hear from Brian Behlendorf, Executive Director at the Hyperledger Project within the Linux Foundation, and from Paul Worrall, founder of Zonafide.
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142. Insights: PSD2 Round Table
Jason Bates talks to Gavin Littlejohn, Mike Kelly, Anita Kimber and Matt Cox about PSD2 - what is it and what does it mean for the industry?
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141. The future will be tokenised
Meaghan Johnson is joined by the 11:FS Pulse team's Benedict Shegog, as well as Fintech Insider favourites Liz Lumley, Sarah Kocianski and Charlie Wood.
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140. Interview: Niall Cameron, HSBC
This week David Brear talks to Niall Cameron, Global Head of Institutional and Digital at HSBC about strategy, growth and fintech.
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15. What the hell is Segwit2x, enterprise Blockchain and more regulators weigh in
Simon and Colin explore the week's news, plus special interviews with Scott Nelson, CEO and Chairman of Sweetbridge, and Abasa Phillips, founder of Zilla.
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15. What the hell is Segwit2x, enterprise Blockchain and more regulators weigh in
Simon and Colin explore the week's news, plus special interviews with Scott Nelson, CEO and Chairman of Sweetbridge, and Abasa Phillips, founder of Zilla.
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139. Interview: Ron Herman, Sionic Mobile & Michael Crawford, Fifth Third
On this week's episode, Sam talks to Ron Herman, founder and CEO at Sionic Mobile, and Michael Crawford, Vice President at Fifth Third.
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138. News: The Brexit Blame Game
This week David is joined by Bianca Lopes, Sarah Kocianski and Jamie Campbell.
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137. Interview: Rod Drury, Founder & CEO, Xero
Jason Bates interviews Rod Drury, Founder and CEO of accounting software firm, Xero.
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14. Legitimising crypto exchanges & ICOs: South Korea, Australia & DJ Khaled weigh in
We bring you the latest headlines with very special guests and three interviews including r3, DTCC and Jibrel Network.
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136. Hacks, hacks and more hacks
David, Jason and Simon are joined by special guests Valentina Kristensen and Andra Sonea to discuss this week's news.
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135. Insights: Assets Management
Simon Taylor leads a roundtable discussion of Asset Management taking it right back to basics, for the uninitiated and experts alike
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13. Jamie Dimon vs Bitcoin, Ethereum Mixers & Blockchain Live
Simon and Colin break down the last week of news, including Jamie Dimon's latest bitcoin rant, and we bring you the rest of our interviews from Blockchain Live.
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134. Fintech Insider: After Dark I
This week's news show was recorded live in front of an audience at our offices in WeWork Aldgate! David, Simon and Jason were joined by special guests Sarah Kocianski, Liz Lumley and Jamie Campbell for this very special edition of the show.
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12. Beyond Bitcoin - Blockchain Live and EOS Interview
We bring you key interviews from Block One (EOS) and MEP Eva Kaili from Blockchain Live - and - Simon dissects the week's top stories.
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?
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.
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.
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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
