One of the dirty secrets of the fintech and banking community is that everyone thinks that everyone else understands how it all works and that they’re the only one who doesn’t really get it.
11:FS Pulse has brought competitor insights to life. Now we’re going further, involving the entire community to redefine and continually advance what the ‘best’ means in digital financial services.
The digital banking scene in Southeast Asia is hot right now. Over the past two years, it’s experienced some rapid changes. Changing regulations have triggered a mass of new players entering the market.
There’s quite a lot of technical lingo in this Unfiltered. We know that’s not really our style, but we’re talking about some big ideas here. If you’re into crypto and keen to see what else we know, get in touch. 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.
If you’re building a fintech or adding financial services to an existing platform, there’s no doubt that the concept of embedded finance with white-label solutions has passed you by.
Price walking [common in the insurance industry] a form of price discrimination whereby existing customers, especially long-standing customers, incur a loyalty penalty over new customers. 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.
Everything that made senior bankers successful is what makes them less able to thrive in the digital economy.
James Safford is a name you might not be familiar with from the 11:FS team. He’s starred in a couple of our shows with brilliant insights on what’s going on in the fintech space. James is a Market Research Analyst working on the 11:FS Pulse platform delivering insights into customer journeys globally. I took a moment to sit down with James and talk to him about how things differ working in fintech compared to publishing, and why he moved into the space after deciding against a lifelong dream.
This past weekend an estimated 177m people tuned in as Matthew Stafford’s (strong surname BTW) LA Rams defeated the Cincinnati Bengals at Super Bowl LVII.
Continuous improvement is a huge focus at 11:FS. We’re always looking for the 1% improvements and 10x ideas (and everything in between) that will drive us forwards.
Providing the best service to have the largest market share. That’s what banks want to be and want to have. And for a very long time they did.
We’ll say it till we’re blue in the face - FS companies need to do more to improve their users’ financial literacy. And that goes for kids too.
The killer digital wallet will not come from a fintech company - it will come from a social media platform. 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.
2022 is well underway and if you’re still wishing people a Happy New Year, it’s time to stop living in the past.
The US fintech scene is moving like a bat out of hell. But experts have pointed out it was pretty late to the party.

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.

Host Laura Watkins (Director of Media and Marketing at 11:FS) is joined by a brilliant panel to unpack these topics before diving into some of the biggest fintech stories of the week.

In this episode of Fintech Insider, David M. Brear sits down with Emily Turner, the newly appointed CEO of HSBC Innovation Banking UK, for a conversation about leadership, innovation, and the future of fintech in the UK.

In this episode of Fintech Insider Insights, Kate Moody is joined by an expert panel of product leaders to unpack a question every startup and scale-up eventually faces: how do you build the dream product team?
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Host Ross Gallagher, Head of Ventures 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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In this episode of Fintech Insider, David M. Brear sits down with ClearBank’s UK CEO, Emma Hagan, to explore how the UK’s first new clearing bank in over 250 years is reshaping financial infrastructure from the ground up.
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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.
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In this special live edition of Fintech Insider Insights, recorded at the FCA’s Supercharged Sandbox Showcase, David M. Brear is joined by leaders from the regulator, industry and the technology ecosystem to unpack the UK’s first AI-focused regulatory sandbox.
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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’s next for fintech UX in 2026? Ross Gallagher, Head of Consulting at 11:FS, is joined by some great guests to break down six financial services UX predictions from the latest 11:FS Pulse Report, covering the shifts shaping digital banking, customer experience, onboarding, product design, and user research.
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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.
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On this week’s episode, host David Barton-Grimley is joined by Matt Weaver, Head of Solutions for EMEA at OpenAI, to explore the impact OpenAI is having on the financial services industry - and the meaningful collaborations taking place between the sector and the AI innovation giant.
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Host Laura Watkins, Director of Media & 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.

On this week's episode, David M. Brear is joined by some great guests to tack a question on every bank and fintech leader’s mind: is AI redefining consumer-focused banking in 2026?

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...

