Content Hub
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Learn about the latest FS trends and news, from industry experts.
Is the UK finally catching up to America’s credit culture?
Over the last 18 months, UK credit card borrowing has accelerated, outstanding balances have surpassed pre-pandemic highs, and some of the UK’s largest fintechs are making increasingly aggressive moves into lending.
Trust is the new infrastructure in agentic commerce
AI assistants already help people compare products, check availability and plan purchases. Agentic commerce extends that role to placing the order: a customer sets a budget and a few conditions, then gives the software permission to complete the purchase.
The Agentic AI trap: More agents won’t transform financial services
Financial institutions are moving quickly into agentic AI. Coding agents, workflow agents, document agents, service agents and operational agents are already entering the enterprise. Many will create useful gains, some of them genuinely impressive. But that is not the real test.
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Junior accounts are growing up
Barclays is acquiring the UK arm of GoHenry, a money app for 6 to 18-year olds. With a reported price tag of £180 million for around 500,000 active accounts, £360 per head is a chunky investment.
We've been talking about homebuying forever, so why is it still broken?
Financial services should be designing products and services that help buyers understand all of the costs involved in their end-to-end financial journey before committing.
Positive friction: Why a little resistance helps
For the past decade, the banking industry has been focused on developing frictionless interfaces. Financial institutions have prioritised seamless transactions, instant gratification, and engaging gamified features in a bid to build the ultimate digital financial experience.
Targeted support is coming. But customer decision-making has already moved on.
The need for better, tailored support through the customer experience is clear, but few are accounting for the fundamental shift that financial services has experienced with the introduction of AI.
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Lucky number 6. You named us Consultancy of the Year...again!
“It’s clear they’re not slowing down in transforming the financial landscape.” Those were the words of Jacqueline Dewey, CEO of Smart Money People, speaking about 11:FS after we claimed our fifth...
Monzo retains top spot in UK banks and challengers ranking with perfect score
The UK’s largest digital bank once again beat RBS and NatWest to the top spot in 11:FS Pulse's best of UK banking chart.
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In Saudi fintech, every transaction can be a path to financial growth
As the Saudi fintech market matures, a new challenge is emerging. Most fintech interactions, whether payments, BNPL, or other services, remain fundamentally transactional.
The end of ‘Apply Now’: Credit becomes invisible and immediate
When a customer reaches checkout today, they may get a choice to pay now, split the cost, or move it into credit. That is a very different starting point from the old model of applying for credit in advance.
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.
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1093. Insights: What it’s really like to start a fintech in 2026
Starting a fintech has never been easier but has building a successful one ever been harder? Host David M. Brear is joined by Fatbardha Rino, CEO of Jet Bank, and Herbie Wildwood, Founder of Legacy, to explore what it really takes to build
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1092. News: Finally, the robots take over: Starling gets smarter, Stripe buys OpenRouter, and Visa and Mastercard unite on agentic payments
Host Laura Watkins - Director of Media and Marketing at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.
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1091. Insights: Can AI make us financially healthier?
About this episode: For years, financial wellness has focused on helping people become better at managing their money. But what if the next generation of financial products could take some of that burden away entirely? Host Ross Gallagher
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1090. News: Can anyone stop Revolut? Can Countingup and Griffin tackle SME pain? Can the FCA help UK fintechs scale?
Host Ross Gallagher - Head of Consulting at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.
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1089. Insights: Why does wealth management arrive too late?
About this episode: For many founders, selling a company is seen as the finish line. But some of the biggest financial decisions around an exit happen long before the deal is done - so why does wealth management so often arrive too late?
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1088. News: Visa bets $2.4bn for BioCatch, InvestiFi raises $20m, and HSBC pulls back in Australia
Host Benjamin Ensor - Director of Research and Strategy at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.
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1087. Insights: Can anyone fix homebuying?
Buying a home is one of the biggest financial decisions most people will ever make. Yet despite years of digital innovation, the experience remains fragmented, stressful and surprisingly analogue.
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1086. News: Wise tries again in the US, Western Union shuts its digital bank and Brazil reinvents BNPL
Host Kate Moody - Customer Strategy Director at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.
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1085. Insights: Are Neobanks replacing private banking?
For years, neobanks competed by offering better banking experiences. Now, the biggest players are expanding into investing, AI-powered financial guidance, wealth management and premium services—areas once dominated by private banks.
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1084. News: Ant's $1.2bn Raise, Teya Doubles Down on SMEs and Revolut Lands licence in Australia
Host Laura Watkins - Director of Media and Marketing at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.
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1083. Insights: Why does running a business still feels harder than it should? With Sage
In this episode, with partnership with Sage, we're exploring why running a business still feels harder than it should—and how embedded experiences are changing that. Host Kate Moody, Customer Strategy Director at 11:FS, is joined by Gordon Stuart, SVP of Embedded Services at Sage, Emma Campbell, Chief Banking Officer at @One.io, and Sarah Kocianski, fintech consultant and analyst.
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1082. News: Stripe bids for PayPal, BNPL regulation kicks in, and Nubank secures a Mexican banking licence
Host Benjamin Ensor - Director of Research and Strategy at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.
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1081. Insights: The future of Robinhood. A conversation with UK President Jordan Sinclair
Robinhood has just unveiled one of the biggest product launches in its history, centred around a bold vision for Borderless Markets. From tokenised stocks and ETFs to Robinhood Chain and AI-powered investing, the company is betting that the future of finance will be tokenised, intelligent and increasingly autonomous.
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1080. News: Klarna applies for a US banking licence, LemFi buys Wealth8, and Santander open-sources AI
Host Ross Gallagher - Head of Consulting at 11:FS - is joined by some great guests to discuss the biggest stories from the world of financial services over the past week.
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1079. Insights: Robinhood, Public and the US firms leading the AI customer experience race
In this episode, we're exploring one of the biggest themes shaping financial services today: how US firms are leading the AI customer experience race.
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.
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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
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Insights: The future of Revolut with UKCEO Francesca Carlesi
