
Do you remember when you first saw a newspaper app on an iPad? It was as though a physical newspaper had been trapped under the black glass. There was even a page turning animation that you probably showed your friends. It was magical. It was digitised news. Ditto for buying albums on iTunes and ordering a traditional taxi; amazing experiences, but we just took what had come before and translated it directly to the new medium.

Africa is the most worthy market for mainstream adoption of decentralised finance. Why? I could go on and on about the underbanked, underserved populations and fragmented remittance ecosystem - while that’s all valid, the biggest pain point in my mind is currency devaluation. Volatile currencies make it difficult for Africans’ savings to hold their value. Solving for currency devaluation will provide the beachhead for the adoption of Decentralised Finance (DeFi) across Africa.

When our friends at Garanti asked us to take a look at their app, we could see pretty quickly that they were doing things a little differently. A traditional Turkish bank that broke away from the pack, Garanti is integrating next-generation services into their mobile app. Let’s look at our top 5 features.

In the second of this monthly design series, we look at a rebrand done right, an app that bids to be the future of car management, and one firm designing a better relationship between finance and the environment.

Nobody sets out to block innovation in their organisation. It just happens.

The last episode of Under The Hood, the podcast series with 11:FS that took a deep dive into the banking infrastructure that is disrupting traditional banking models and shaking up the system, has been released. And looking back, I realise how many great conversations we’ve had.

There’s a lot going on right now on personal, business and industry levels. But as I sit here in my home office over the last month talking to senior people in financial services, fintech founders and project teams all over the world, one thing keeps returning to me: “See, we didn’t need more strategy”.

Customer-centric, focused on financial inclusion, helping the underserved and unbanked. Have we rediscovered the principles of the first banks and building societies?

This is taken from our Unfiltered newsletter. Subscribe now for a no BS, uncensored analysis of fintech news and hot topics delivered to your inbox each fortnight.

Many marketers have a story of a boss or board that wanted all the benefits of a strong brand, without the investment, hassle or commitment of having to build one. This is taken from our Unfiltered newsletter. Subscribe now for a no BS, uncensored analysis of fintech news and hot topics delivered to your inbox each fortnight.

So. Let’s talk about DAO, baby.

Simon interviewed the husband and wife team Arthur and Kathleen Brietman, the co-founders of Tezos, about their recent token sale for the very first episode of Blockchain Insider.

AML is the world’s most ineffective policy experiment. Imagine if you have a car that didn’t work 99.9% of the time. That would be annoying right? This is taken from our Unfiltered newsletter. Subscribe now for a no BS, uncensored analysis of fintech news and hot topics delivered to your inbox each fortnight.

Over the course of the pandemic the UK's financial habits have changed, which is no surprise when you see how people's circumstances have been impacted:

Dutch directness, failing fast and innovating endlessly are the three common themes in the interview Simon did with Benoit Legrand, CIO of ING. And they’re what drives his approach to delivering success at ING.

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...

