Engineering

We all employ a user-centred design (UCD) approach to inform what products we build and how they should work, but all that customer insight gives us one oft-overlooked learning: the actual language customers use to speak about their problems.

The 11:FS research team recently finalised the first part of a major piece of work examining the services available to US Small to Medium-sized businesses. Here’s some of what we discovered.

In this special guest blog, Deniz Güven, CEO and Executive Director, Virtual Bank by Standard Chartered, discusses innovation in Hong Kong and the development of a Brave New Bank.

Four years doesn’t sound like much but in the rapidly changing world of fintech it feels like forever. It’s hard to say for sure when the phenomenon started.

If you’ve ever worked with engineers, you’ll have heard them talk about microservices. A few years ago, you might’ve been left with the impression that they were ‘The Answer’ - the thing that would solve all your problems.

Backend development for greenfield banking requires a special set of needs. We use Kotlin as our programming language. Here’s why.

Up until recently, if you wanted to launch a financial product, you either had to work directly with the deep financial infrastructure yourself or use a core banking system, which has all sorts of rules and parameters, to interact with the financial infrastructure.

So. Let’s talk about DAO, baby.

At 11:FS, we build digital financial services, primarily banks. ‘Bank’ is a very broad term, of course, and our focus on client needs and ‘Jobs To Be Done’ approach (“People don’t want a mortgage, they want to buy a house”), means that we rarely set out to build a pure bank.