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You know they say you shouldn’t start a diet and give up smoking at the same time? Or get married and start a new job? Or whatever?

Seven years ago, the first new retail bank in the UK in almost a century got its licence to open, as Chris Skinner noted in a recent blog post. Now, there are nearly 50 banks in the pipeline: app-only startup banks, foreign exchange payment cards, personal financial management apps, business accounts, and more. How are they all going to make money? And how will they differentiate themselves enough to win the hearts of customers? In episode 228 of FinTech Insider, we discuss with guests from FinTech challenger banks Fidor, Starling Bank, and Loot.

Every Thursday, Leda Glyptis, 11:FS Chief of Staff creates #LedaWrites. This week she turns her attention to innovation in big banks and why partners, vendors and many more should take caution when talking to innovation.

Core banking might not be the sexiest of subjects, but if you don’t get it right, your bank will suffer financially and lose its edge to the truly digital competitors coming your way. But how do you strengthen your core when you’re stuck with a Frankenstein legacy system? In episode 225 of FinTech Insider Insights, we break down what you need to do.

Last week, the Securities and Exchange Commission (SEC) in the US published an official report, following an investigation into a token sale by an organisation called The DAO, where it decided that these particular tokens the DAO were offering were in fact, securities and therefore subject to the requirements of the federal securities law in the US. Read the full story via Fintech Insider News here.

Each week, Leda Glyptis, CEO of 11:FS Foundry, creates #LedaWrites. This week, with the aid of Bryan Adams lyrics, on why the best is yet to come.

Right now, every company is tackling how to handle the move to remote working. We made a decision recently to not return to the office until November and wanted to share how and why we got there.

The ability to get users through the onboarding process quickly and painlessly has never been more in demand, with Signicat reporting an average drop-off rate of 52% during the onboarding processes of Europe’s retail banks in 2018.

The consulting firm CG42 recently reported that it expects the ten largest banks in the US to lose $159 billion in deposits to smaller competitors over the next year.

You may have noticed from our newsletter (sign up here) and podcast (listen here or click play just below) that we’re celebrating our second birthday at 11:FS. It’s also Fintech Insider’s 200th episode. So to make it extra special we’ve done a roundtable with some of the most vital people in the 11:FS team who don’t normally get behind a microphone.

Users of Pulse will no doubt be familiar with our visual design rating, which sits at the bottom of each post and gives our analysts’ view on a journey’s design strengths.

This award is given to the incumbent financial institution that is executing the best digitalisation strategy.

Every Thursday, Leda Glyptis, 11:FS Chief of Staff creates #LedaWrites. This week she turns her attention to assets, habits and the wand that chooses the wizard.

If there is one thing we don’t talk about enough in the start-up world, it’s mental wellbeing. That’s strange, because it’s one of the most crucial things to get right in your company. I used to think that company culture is built on leadership and focus. I also used to believe that negative attitudes at work cannot lead to poor mental health or affect perceptions of health, beliefs, and results. Well, today is a different day. Armed with the growing awareness of the impact wellbeing can have on employees, businesses and the obvious link between positive workplace culture and productivity, I’m here to bust the myth that every start-up has a cut-throat environment which grinds down its employees.

The One to Watch award is given to the company with the firmest foundations onto which it can build truly digital services in the next 12 months.