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

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11:FS

11 weeks at 11:FS

11:FS Product Lead Terry Cordeiro reflects on what it’s like to be a new “11” after nearly three months on the job.

5min read
Article
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Banking

11 takeaways from Sibos 2019

Last week, the world’s biggest banking conference hit London for the first time. So what did more than 11,000 delegates see and hear at Sibos 2019?

5min read
Article
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Facebook

11 most interesting things about Facebook’s Libra cryptocurrency

What is Facebook coin / Libra? Is this a game-changing moment and what should we do about it?

5min read
Article
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Three years

11:FS turns three

In no time at all, we’ve managed to reach our third birthday. It feels like we were only celebrating our second birthday yesterday, but we’ve been moving so fast we’ve barely been able to keep up. So, what have we been doing all this time?

5min read
Article
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11:FS

11:FC vs Yieldify: The Battle for Aldgate Tower

Under Friday night lights and in appalling conditions of driving wind and rain, the mighty 11:FC overcame all odds to bring home a 2-1 victory over office neighbours, Yieldify FC.

5min read
Article
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Innovation

11:FS on tour - Money 20/20 Vegas, Day 1 Roundup

Money 20/20 USA has kicked off and the 11:FS team are here on the ground!

5min read
Article
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Innovation

11:FS on tour – Money 20/20 Vegas, Day 2 Roundup

Day 2 has come to an end here at Money 20/20 and, despite last night’s industry party, it was jam packed with action.

5min read
Article
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Consultancy mistakes

11 Stupidest Things Consultancies Say and Do

I’ve poked fun at banks and fintechs, but now it’s time to take on the consultancies. Sometimes it can feel like you’re spending your money on bad advice and worse decisions. Sometimes you are.

5min read
Article
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Fintech mistakes

11 Stupidest Things Fintechs Say

Last week I spoke to friends of 11:FS to discover the 11 stupidest things banks do. It was more popular than any of us expected. It even compelled 11:FS Co-Founder, Simon Taylor to write a love letter to the big banks telling them how they can do better. Here at 11:FS we felt like maybe we’d been a little harsh on our incumbent friends. So, I decided to write another list, reaching out to both the wider fintech community and all our followers to find out the 11 stupidest things fintechs say and do.

5min read
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Banking mistakes

11 Stupidest Things Banks Do

Here at 11:FS we talk a lot about how Digital Banking is only 1% Finished, jobs to be done, and many other topics on how big banks get things wrong. But sometimes just hearing the theory isn’t enough. So I spoke to bankers, insiders, fintechers, associates, customers, and researchers – all anonymously – who have given me swathes of real world examples of the stupid shit banks do. Here’s the 11 best…or worst, depending on how you want to see it. This list took a fair while to compile so if you’ve got something you want to add send me a message and maybe we’ll do a part two.

5min read
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11:FS

11:FC vs Monzo: Rumble in Rotherhithe

The wait was finally over. Game day arrived. The Big One. 11:FS vs Monzo, in 11:FC’s first professional 11-a-side fixture. Nerves were jangling in 11:FC HQ in the lead up the game. Captain Petrit Berisha led his men in extensive warm ups, team talks, tactics and formations all day, to get the team both mentally and physically ready for the challenge that awaited them.

5min read
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Santander

11 Biggest Fintech Stories of Q2 2018

There’s a sweltering heat wave hitting the city and I’ve never been so thankful for the office air conditioning. We’ve just entered July, everyone’s moving onto their Q3 targets and writing reports on Q2. So what happened in Q2 for the fintech world? And where are we about to go for Q3? I take a look at the 11 biggest stories that happened in fintech over the last three months.

5min read
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Intern

Why You Should Intern at 11:FS Sam's Journey

Sam Frampton has had an incredibly successful experience during his time as an 11:FS intern. He created and project managed our Beginner’s Guide to Open Banking that you can find here. In addition to this he’s helped provide strong insightful data into our Fintech Insiders website, a forum for fintech you can find here. Using that data he also created a daily newsletter that recaps the latest in fintech news, sign up and you’ll get an insight into just some of the work our 11:FS interns do. Our interns get to create and effect meaningful change in the company. If you can prove value and show why something needs to be done differently, we’ll do it. That’s part of what it means to be at 11:FS.

5min read
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Open Banking

11:FS Releases the Beginner’s Guide to Open Banking

11:FS is pleased to announce that today we are launching the beginner’s guide to Open Banking! It’s a hot topic in the fintech space at the moment and users need to know what they’re getting themselves into.

5min read
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Financial inclusion

Financial Inclusion and Why it's Necessary for Everyone

When the World Bank launched a focus on financial inclusion in 2011, about 2.5-3 billion people lacked access to even the most basic financial services. Since then, dramatic progress has been made. Between 2011 and 2014 an astonishing 700 million people gained bank accounts (twice the population of the US). In the latest World Bank Findex report, it was stated that a further 8% of the world opened an account.

5min read
1046
podcast
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Fintech Insider

1046. News: Revolut is a bank, Lloyds wants to be a fintech - we're just as confused as you

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.

53min listen
1045
podcast
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Fintech Insider

1045. Insights: Has the banking battlefield evolved - and is Revolut built for it?

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.

50min listen
1044
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Fintech Insider

1044. News: International Women’s Day: Why the future of wealth is female - and how fraud disproportionately affects women

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.

60min listen
1043
podcast
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Fintech Insider

1043. Insights: Inside HSBC Innovation Banking UK’s future with CEO Emily Turner

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.

43min listen
1041
podcast
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Fintech Insider

1041. Insights: How to build a high-performing product team

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?

50min listen
1040
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Fintech Insider

1040. News: Is this a once in a generation opportunity to change up the UK payments system?

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.

63min listen
1039
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Fintech Insider

1039. Insights: Stablecoins, clearing and the future of payments with Emma Hagan, UK CEO of ClearBank

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.

40min listen
1038
podcast
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Fintech Insider

1038. News: What happens when the world's biggest YouTuber buys a fintech?

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.

58min listen
1037
podcast
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Fintech Insider

1037. Insights: Shaping safe AI innovation - Live from the FCA’s Supercharged Sandbox Showcase

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.

53min listen
1036
podcast
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Fintech Insider

1036: News: Checkout strikes a chord with Spotify as Nubank, Revolut and Starling set their sights on the US

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.

59min listen
1035
podcast
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Fintech Insider

1035: Insights: Six predictions that will reshape customer experience in financial services

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.

55min listen
1032
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Fintech Insider

1032. News: Revolut heads to Peru, Stream raises $90m, and… are you dead?

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.

64min listen
1031
podcast
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Fintech Insider

1031: Insights: How OpenAI is changing the future of financial services

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.

48min listen
1030
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Fintech Insider

1030. News: Nala and Noah partner on cross-border stablecoins – is a 10% US credit card interest cap coming?

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.

70min listen
1029
podcast
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Fintech Insider

1029. Insights: How AI is reshaping consumer-focused banking

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?

50min listen
Video
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11:FS Pulse

3 ways AI is shaking up UX in financial services | 11:FS Explores

The entire world is buzzing about AI, and that ain't changing anytime soon. But as AI becomes more integrated into our daily lives, what impact will it have on financial services and how people interact with them?

5min watch
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Inclusive design

What is inclusive design? 11:FS Explores

6min watch
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Decoding

What are fintechs? - Decoding: Banks

Ever wanted to know what’s going on behind the scenes every time we make a payment?

12min watch
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Decoding

How does banking regulation work? - Decoding: Banks

Regulation is essential. It stops banks from going bust or behaving badly.

12min watch
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Decoding

How has software evolution influenced banking? - Decoding: Banks

The invention of the computer revolutionised banking in the 1950s.

11min watch
Video
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Lending

How does lending work? - Decoding: Banks

Lending has been around for thousands of years and is one of the cornerstones of banking.

11min watch
Video
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Decoding

How can traditional banks win on the banking battlefield? - Decoding: Banks

They're down, but they're not certainly not out.

15min watch
Video
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Decoding

How do card networks operate? - Decoding: Banks

Mastercard and Visa are the two biggest credit card networks in the world.

13min watch
Video
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Decoding

How has the banking battlefield evolved? - Decoding: Banks

We kick off our Decoding: Banks series with a look at the banking landscape today and how we got here.

13min watch
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
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Podcast
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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
Podcast
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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.
960
Podcast
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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
Podcast
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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.
960
Podcast
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fintech Insider

Insights: The future of Revolut with UKCEO Francesca Carlesi

1h2 listen