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11:FS Pulse Report 2026
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The best product experiences and hottest trends in fintech, revealed.
Which brands led the way with their product design in 2025? And what should you keep an eye out for this year?
In the fifth annual 11:FS Pulse report, our experts look at the user experiences and trends that shaped the last year in financial services, and make their bold predictions about what’s to come in 2026.
What’s inside this year’s report?
Pulse Stars - the class of ‘25
We’ve got ten awards to hand out for the best user experiences from last year, including Best AI Innovation and Best Scam Prevention.
Last year’s predictions, marked
Our experts look at the trends that shaped the last 12 months in fintech, and whether or not they saw them coming in last year’s report.
Predictions and brands to watch
From Agentic AI to prediction markets, these are the innovations and product experiences that we think will change the digital banking game in 2026.
“2025 marked a year of progress in financial services. Looking ahead to this year, the shift isn’t just new features, it’s new behaviours and expectations. What matters most is what shows up in real customer experiences, not big promises.”
Joe Colchester
Report author and Head of Product, 11:FS Pulse
The experts behind the report
More content
How AI is reshaping customer-focused banking
Using our Digital R.I.C.H.E.S framework, we explore how AI is changing the way financial services meet customers at their point of need, from real-time insights and smarter personalisation to context-aware experiences.
On the shelf
Explore our expert-led content for more insights and opinions from industry leaders.
Download the report
Developing innovative digital banking business models
How to break free from traditional constraints
