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

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11:FS

11:FS 2019 in Review

What. A. Year. 2019 has been an absolute whirlwind of growth and expansion and in true 11:FS style, we continued to ramp up and start new things right up until the last day of Q4.

5min read
Article
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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
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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
Article
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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
1061
podcast
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Fintech Insider

1061. Insights: The advice gap: Are banks helping customers or protecting themselves?

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

46min listen
1060
podcast
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Fintech Insider

1060. News: NatWest, HSBC & Lloyds face new rules, Adyen drops €750m and Revolut steps into the real world

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.

59min listen
1059
podcast
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Fintech Insider

1059. Insights: The payments boom connecting APAC and Latin America

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.

43min listen
1058
podcast
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Fintech Insider

1058. News: Revolut’s $200bn ambition, TikTok’s creator card, and Lloyds digitises homebuying

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.

58min listen
1057
podcast
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Fintech Insider

1057. Insights: From inertia to advocacy: Rethinking customer loyalty in fintech

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.

52min listen
1056
podcast
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Fintech Insider

1056. News: AI is everywhere: FCA's open finance roadmap, Google’s Global AI, and the Lloyds' boardroom

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.

65min listen
1055
podcast
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Fintech Insider

1055. Insights: What happens when embedded finance grows up? With Pleo and Mastercard

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.

45min listen
1054
podcast
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Fintech Insider

1054. News: Jamie Dimon raises the alarm, Barclays brings back branches, NatWest and Sainsbury's join forces

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.

71min listen
1053
podcast
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Fintech Insider

1053. Insights: Agentic payments: Revolution or just better orchestration?

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.

56min listen
1052
podcast
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Fintech Insider

1052.News: AI agents are trading, Monzo is retreating, and Wise is coming for the banks

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.

71min listen
1050
podcast
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Fintech Insider

1050.News: Starling launches UK’s first agentic AI banking, Paymentology’s WhatsApp neobank and Turkey SEPA expansion

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 -

68min listen
1048
podcast
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Fintech Insider

1048. News - After Dark: Robinhood's family plan, Irish banks team up to take on fintechs, and did Year in Monzo go too far?

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.

57min listen
1047
podcast
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Fintech Insider

1047. Insights: Can you launch a start-up in 2026? Live from J.P. Morgan Payments

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?

53min listen
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
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
Video
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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.
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

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