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.

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.

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.
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.

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.

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.

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.
.jpg)
“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...
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.
As the Saudi fintech market matures, a new challenge is emerging. Most fintech interactions, whether payments, BNPL, or other services, remain fundamentally transactional.

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.

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.

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.

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

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.

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

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.

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?

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

What does the future hold for lending? Live from Lendit USA 2022.
Will banks exist in 100 years?

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.
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?
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.

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.

The UK banking battlefield has never been more competitive. Customers expectfinancial apps that are personalised, seamless, and that genuinely make a differenc...


The UK banking battlefield has never been more competitive. Customers expectfinancial apps that are personalised, seamless, and that genuinely make a differenc...

