11:FS

There was a moment during the pandemic where we collectively dreamt of a better world.

11:FS turns two this week! As we hit the terrible twos but before we dig into our birthday cake, we’re feeling all reflective and so we thought it was a good time to look back over our last year and see how far we’ve come from year 1 to 2.

The 11:FS Pulse analysts spend all their time immersed in the world of fintech. Over the past year, we’ve seen hundreds of different products, features, and brands pass through our screens. With the fintech space moving so fast, there’s been a lot to love (and hate). For anyone working in the space that doesn’t currently have a Pulse license, we wanted to share the 2017 roundup we hashed out over a couple of beers in the Aldgate WeWork. Without further ado, here are the 11 brands that deserve recognition for 2017…

TL;DR The rollercoaster won’t stop anytime soon, we’re going to focus much more on cryptography and far less on the “currency” part (for now…).

As 2017 draws to a close we take a look back at our most popular blog posts from the last year written by our team or guest authors. Maybe we should have done 11…

This week’s news show marks Fintech Insider’s 150th episode – and what an episode! Recorded live at our offices in London’s WeWork Aldgate, episode 150 was Fintech Insider: After Dark 2 – a news show with a difference.

As a designer, it’s an all too familiar scenario: you’re about to undertake work on an exciting new digital product or service. It has the potential to have it all, only for you to be handed what all product designers dread - the existing constraints of a rigid and outdated brand playbook. It can certainly feel like a crushing blow. But approached in the correct manner, these constraints can be transformed into an opportunity to take both the product and the brand to the next level.

Digital Banking is only 1% Finished. That’s our motto at 11:FS. You can see it plastered across everything we do, we talk about it at events, and it’s in all of our client work. Taking a paper statement to the telephone, to a website and then a mobile app isn’t where digital banking ends; it’s where it begins. Digital Banking having 99% to go is a statement of optimism, of opportunity and its how you differentiate, as consumer expectations will only grow in the coming years.

One of the first questions you’re almost always asked when you change jobs is “Why are you leaving?”, especially when you walk away from a comfortable role like I just have. The second is “So what will you be doing now?”. Or, as my good friend Matteo Rizzi put it when he found out I was joining 11:FS “Great, now you can explain to me WTF they actually do.”

Sam Maule joins 11:FS as Managing Partner, Americas

Lloyds Bank announced last week that as of November 2017 it will scrap all prearranged overdraft charges in a huge fee and charges shakeup, reducing them to just one overdraft rate. Customers who get overdrawn, regardless of the overdraft arrangement they took out, will be charged 1p per day for every £7 they are overdrawn. We discuss the repercussions of this shakeup.

I used to hate when my parents came into high school for the annual speech from my teachers that I should be trying a lot harder. Unlike my report cards at school, I think the 11:FS end of year report would read pretty damn well as every single person that has worked for 11:FS couldn’t have done more to make it a success over the last year.