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

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The Goldilocks challenge of targeted support

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Homebuying

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.

3min read
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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.

4min read
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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...

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Premium banking: Where UX makes-or-breaks value

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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.

3min read
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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.

3min read
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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.

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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.

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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.

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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.

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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.


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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
475
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Fintech Insider

475. News: Ant’s record-breaking IPO - they’re 1% done!

Ross Gallagher and Simon Taylor are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Ant Group and the biggest IPO of all time, cryptocurrency initiatives amongst industry giants PayPal and JP Morgan, and raccoons break into California bank.

1h12 listen
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Fintech Insider

474. Insights: Cyber Security - what are the biggest threats?

Sarah Kocianski is joined by some great guests to talk about cybersecurity in financial services.

41min listen
473
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Fintech Insider

473. News: Stripe acquires Paystack - are they taking over the world?

Simon Taylor and Mel Stringer are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Stripe acquires Nigeria’s Paystack, Marqeta’s research discovers Covid-19 has forced three-quarters of banks to change their future strategy, and ESG funds forecast to outnumber conventional funds by 2025.

1h06 listen
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Fintech Insider

472. Insights: Open Banking two years on - how far have we come?

Sarah Kocianski is joined by some great guests to talk about Open Banking two years on and the key developments that have been made since then.

43min listen
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Insurtech Insider

77. News: Lloyd's post-pandemic product review & Cover Genius' raise

Sarah Kocianski and Nigel Walsh are joined by a panel of guests to talk through the most interesting news from the insurance and insurtech sphere!

46min listen
471
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Fintech Insider

471. News: Klarna face backlash & Killer Mike launches a bank to support black businesses

Sam Maule and Kate Moody are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Killer Mike launches a new digital bank, Klarna faces backlash after sending marketing emails to non-customers, and Square invests $50m in bitcoin!

1h04 listen
470
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Fintech Insider

470. Insights: Middle East fintech - revolutionising the region's financial landscape

Ross Gallagher is joined by some great guests to discuss how fintech and digital transformation is shaking up the financial landscape of the Middle East.

50min listen
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Fintech Insider

469. News: Who isn't launching a checking account?

Simon Taylor and Sarah Kocianski are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Crowdcube and Seedrs' merge, the FCA’s new sandbox dedicated to overcoming coronavirus challenges, and Venmo launches a credit card, as Credit Karma launches a checking account.

1h listen
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Fintech Insider

468. Insights: COVID-19 - Mental health and financial wellbeing

For World Mental Health Day, David Brear is joined by some great guests to discuss money and mental health during the coronavirus pandemic.

56min listen
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Insurtech Insider

76. Will COVID change health insurance?

Sarah Kocianski and Nigel Walsh are joined by a panel of guests to talk about health insurance post COVID-19!

44min listen
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Fintech Insider

467. News: Open Banking is working - but what comes next?

Sarah Kocianski and Ross Gallagher are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Open Banking doubles its user base in 2020, Amazon's new payment method in the palm of your hand, and can Ping An rescue HSBC?

1h06 listen
466
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Fintech Insider

466. Insights: ESG and sustainable investing - the ethical future of finance

Simon Taylor is joined by some great guests to talk about the growth of ESG and sustainable finance

44min listen
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Insurtech Insider

Bonus: Interview: Louise Smith, Chief Digital Officer at Lloyd's of London

David Brear is joined by Lotanna Ezeike, Co-Founder and CEO at XPO, in this bonus episode to bust some myths about social media influencers, and challenge David's opinions from a few episodes back. Tune in to find out more!

29min listen
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Fintech Insider

465. News: FinCEN Files leak and NatWest carbon footprint tracker

Simon Taylor and Ross Gallagher are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: The FinCEN file leak, Tink continues path to European domination, and NationWide claps back again racism.

1h08 listen
464
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Fintech Insider

464. Insights: Latin America - fintech's next hottest market

Sam Maule is joined by some fantastic guests from across Latin America to talk about development, growth and impact of fintechs in the region.

45min 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