ChatGPT is unavoidable. Everyone has an opinion on it, but we haven’t yet scratched the surface of what it could unleash for financial services. Big banks are already turning their backs on it, but are they making a huge mistake?
A banker keen to stay under the radar has written us another insider’s perspective on where problems and their solutions are found in incumbent banks. The Stigcumbent, who you’ll remember from their insight on TSB and Open Banking APIs, has returned. Read on to discover just where the problems and solutions in every bank live…
If you change how money moves, you change the world. Money touches everything. Want to build a school? You need money. Want to prevent unsustainable business models? Want to prevent human trafficking? Manage the money flow.
Every day on our podcasts, our social forums, videos, and events, we have the privilege of talking to the founders, the builders, the passionate people shaping the future of financial services.
I wrote about the underbanked phenomenon in Eastern Europe a few weeks ago. Mainly I talked about which basic services are used, not used, and why.
Happy 2023, fintech fans!
While chatting with my grandma on my annual trip to Romania this year, I had an epiphany. She is underbanked! So is my mom, uncle, cousin, and neighbour - you get the gist.
I recently sat down with Rhian Lewis, co-founder of Count My Crypto and Sara Walker from IG to discuss which cryptocurrencies could come close to bitcoin. Take a look at some of the points we covered below, or head over to IG to watch the full interview.
The AI revolution is reshaping financial services with the force of a category-five hurricane. The seismic shifts it’s creating are palpable, with generative AI standing at the forefront of this transformation.
Once upon a time, social media and finance apps might’ve seemed like strange bedfellows.
COP 27 came and went last month. It’s now time to look back at what happened and what still needs to happen. What can the climate fintech industry in particular reflect and iterate on as we head into 2023?
Mortgages and ancient sex positions aren’t two things you’d usually put together (or want to read about at the same time, for that matter). But digital mortgage broker Habito has ripped up the rulebook and created a Mortgage Kamasutra book in its place. And we can’t help but respect them for it.
Around the globe, millions are feeling the pinch as the cost-of-living crisis continues. The biggest fall in living standards since records began is forecast in the UK, while inflation rates are starting to cool after a tumultuous year across the pond.
60% of time spent on the internet in China is on WeChat. For young people, this is their primary gateway to financial services. In fact, in China, more transactions now occur, by volume, through non-banks than through banks. James Lloyd, Asia-Pacific FinTech Leader at EY, talks to us about how tech companies like WeChat are filling market gaps left by the banks.

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

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 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.

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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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.

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.

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.

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.

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.

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: 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 -

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.

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?

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.

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.

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...

