Learn about the latest FS trends and news, from industry experts.

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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.

3min read
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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.

4min read
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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.

5min read
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Designing for the human behind the business

The people using business banking tools don’t necessarily have financial backgrounds. Many smaller businesses can't afford a dedicated finance team. Yet banks keep building products that assume expertise their customers don't have, leaving them to figure things out on their own.

3min read
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The rise of subscription banking and why it needs to fit into customers' lives

As our financial lives become more complex, there is a growing expectation for banks to offer more support, be more relevant, and generate greater everyday value. One of the clearest places this shift is starting to show up is in subscription banking.

5min read
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Reimagining payments: Why the UK needs a new chapter for A2A innovation

The UK is currently facing a rare opportunity in the world of payments. After years of debate about the future of the country’s payments ecosystem, government and regulators are now moving from discussion to delivery, with work underway to implement the National Payments Vision for world-leading payments delivered on next-generation technology.


4min read
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Banks must become active partners in financial wellbeing

Around the world, people have instant, around-the-clock access to banking apps and their own financial data. So why do so many people still feel uncertain about their financial future? 

5min read
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The case for trophy number six...

“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...

4min read
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Vertical Agentic AI is the next frontier for value creation In financial services

Most AI deployments so far have focused on AI that “talks”, which can search, summarise, and draft content to support employees. The next wave is different: AI agents that “do” are starting to take bounded actions inside workflows, moving cases forward and coordinating steps end-to-end, with humans kept in control where it matters.

6min read
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11:FS Pulse

Accessibility in finance: Designing a future everyone can use

Financial accessibility has long been framed as a matter of compliance or corporate social responsibility. But today, it’s emerging as something much bigger: a competitive advantage.

4min read
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The fight to win the salary battle

As the industry adjusts to a new digital landscape, players across the spectrum are fighting to muscle their way into the financial epicentre and ‘win’ the salary battle to become the payday home of their customers.

4min read
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Finovate Europe 2026: Three themes and takeaways

11:FS' own Ollie Sebley rounds up another edition of Finovate Europe, what he took away from the talks, and what they say about the outlook for financial services through 2026 and beyond.

3min read
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11:FS Pulse

Gamification in fintech: Financial literacy or just engagement?

Saving money and paying bills might not sound exciting - but today’s finance apps are borrowing tricks from video games to change that.

6min read
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Why the future of fintech depends on empowering SMBs

While consumer-focused fintech has seen waves of innovation since the early 2000s, the small and medium-sized business (SMB) sector has remained comparatively underserved.

2min read
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Agentic AI is reshaping financial services

Unlocking agentic AI’s upside demands rethinking how humans and systems share control, rebuilding data and API foundations, and scaling autonomy in measured steps with rigorous human-style QA

10min read
1061
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Fintech Insider

1061. Insights: The advice gap: Are banks helping customers or protecting themselves?

Advice is regulated and personalised. Guidance is broader and safer - but that line is starting to blur.

46min listen
1060
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Fintech Insider

1060. News: NatWest, HSBC & Lloyds face new rules, Adyen drops €750m and Revolut steps into the real world

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.

59min listen
1059
podcast
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Fintech Insider

1059. Insights: The payments boom connecting APAC and Latin America

In this episode of Fintech Insider Insights, in partnership with PPRO, Benjamin Ensor is joined by some great guests to explore why APAC merchants are expanding into LATAM, the $100bn cross-border opportunity, and why payments are critical to success.

43min listen
1058
podcast
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Fintech Insider

1058. News: Revolut’s $200bn ambition, TikTok’s creator card, and Lloyds digitises homebuying

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.

58min listen
1057
podcast
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Fintech Insider

1057. Insights: From inertia to advocacy: Rethinking customer loyalty in fintech

What does customer loyalty really mean in financial services - and has it ever been real? In this episode of Fintech Insider Insights, Kate Moody is joined by Rosie Lee, Jas Shah, and Alex Johnson to unpack the shifting nature of loyalty in a world where switching is easier than ever.

52min listen
1056
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Fintech Insider

1056. News: AI is everywhere: FCA's open finance roadmap, Google’s Global AI, and the Lloyds' boardroom

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.

65min listen
1055
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Fintech Insider

1055. Insights: What happens when embedded finance grows up? With Pleo and Mastercard

In this episode of Fintech Insider Insights, in partnership with Pleo, host Benjamin Ensor is joined by Jeppe Rindom (Co-Founder & CEO at Pleo) and Tulsi Narayan (EVP, Commercial and New Payment Flows, Europe at Mastercard) to explore the next phase of embedded finance — as it evolves from a handy feature into critical infrastructure.

45min listen
1054
podcast
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Fintech Insider

1054. News: Jamie Dimon raises the alarm, Barclays brings back branches, NatWest and Sainsbury's join forces

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.

71min listen
1053
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Fintech Insider

1053. Insights: Agentic payments: Revolution or just better orchestration?

Benjamin Ensor is joined by Rory O’Neill, Sahar Attaripour, and Sam Boboev to explore the rise of agentic payments - a fundamental shift from executing transactions to delegating intent.

56min listen
1052
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Fintech Insider

1052.News: AI agents are trading, Monzo is retreating, and Wise is coming for the banks

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.

71min listen
1050
podcast
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Fintech Insider

1050.News: Starling launches UK’s first agentic AI banking, Paymentology’s WhatsApp neobank and Turkey SEPA expansion

About this episode: 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. This week's guests: David Sullivan -

68min listen
1048
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Fintech Insider

1048. News - After Dark: Robinhood's family plan, Irish banks team up to take on fintechs, and did Year in Monzo go too far?

Our expert host Ross Gallagher, and co-host Jamie Campbell, Co-CEO of 11:FS Holdings, present Fintech Insider News live from Village Underground in London, joined by some fantastic guests to discuss some of the interesting fintech and financial services stories of the week.

57min listen
1047
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Fintech Insider

1047. Insights: Can you launch a start-up in 2026? Live from J.P. Morgan Payments

Recorded live from J.P. Morgan’s e-commerce and fintech forum, 11:FS CEO David M. Brear is joined by an all-star panel to tackle a deceptively simple question: can you still launch a startup in 2026?

53min listen
1046
podcast
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Fintech Insider

1046. News: Revolut is a bank, Lloyds wants to be a fintech - we're just as confused as you

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.

53min listen
1045
podcast
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Fintech Insider

1045. Insights: Has the banking battlefield evolved - and is Revolut built for it?

For years, banking has been framed as a battlefield: incumbents defending their turf while fintech challengers attack with better tech and customer experience. But in 2026, that picture may have changed.

50min listen
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Fintech is only 1% finished - The fintech market ft. Simon Taylor

Fintech is only 1% finished. But what do we mean by that? Simon Taylor, Head of Ventures at 11:FS takes us through the landscape of financial technology in this Lightboard edition of 11:FS Explores.

12min watch
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BNPL

How the Buy Now, Pay Later landscape is shifting with Amy Gavin | 11:FS Explores

Just what is going on with Buy Now, Pay Later right now?

4min watch
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Lending

Jeff Keltner from Upstart on what the future of lending will look like | Spotlight

What does the future hold for lending? Live from Lendit USA 2022.

24min watch
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UX

What is UX and what makes UX good? 11:FS Explores

Will banks exist in 100 years?

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Open Banking

What is Open Banking? | 11:FS Explores

In this episode of 11:FS Explores, Adam Davis picks apart Open Finance, and what we have to look forward to if this technology became a reality.

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What Griffin are going to do now they have their banking licence with CCO Adam Moulson | Spotlight

Inclusive design is a mindset and a process that suggests that you should bring as many people as possible - and the most diverse of voices that you can - into your product design product process, so that you're being truly inclusive. It's designing with people rather that just at them. Charlotte Fereday, Product Director, Ventures, explains what inclusive design is, why it's important, how you can design more inclusively, and answers - how possible is truly inclusive design?

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Unleashing creativity! A case study on sparking innovation with Bidyut Dumra from DBS | Spotlight

On this episode of Spotlight, 11:FS Crypto Global Strategy Director, Mauricio Magaldi is joined by Ramp Network Co-Founder and CEO, Szymon Sypniewicz. In today's chat, the pair discuss Szymon's career, the current regulatory landscape in crypto, and what the future might hold when it comes to widespread crypto adoption.

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Security

Kenneth Hart from Snowdrop Solutions on how data enrichment increases trust | Spotlight

In this 11:FS Explores: Lightboard Edition, Vaughan Shaman takes us through how asynchronous systems work, their advantages, and how they can remove potential bottlenecks.

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fintech Insider

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...

1h2 listen
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fintech Insider

Insights: The future of Revolut with UKCEO Francesca Carlesi

1h2 listen
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
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fintech Insider

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...

1h2 listen
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
960
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fintech Insider

Insights: The future of Revolut with UKCEO Francesca Carlesi

1h2 listen
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
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fintech Insider

Insights: The future of Revolut with UKCEO Francesca Carlesi

1h2 listen