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.
Did you know that when they’re not dishing up masterly analysis, everyone’s favourite web3 wizards - 11:FS Global Strategy Director, Crypto Mauricio Magaldi and Visa Head of Crypto Cuy Sheffield - like to dabble in a spot of divination? I know, right?!

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.

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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In this episode, we're exploring what it takes to build modern banking technology from the ground up. Host Ross Gallagher - Head of Consulting at 11:FS - joined by Sam Everington, CEO of Engine by Starling, and Jody Bhagat, President of North America at Engine by Starling.
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?
Ever wanted to know what’s going on behind the scenes every time we make a payment?
Regulation is essential. It stops banks from going bust or behaving badly.
The invention of the computer revolutionised banking in the 1950s.
Lending has been around for thousands of years and is one of the cornerstones of banking.
They're down, but they're not certainly not out.
Mastercard and Visa are the two biggest credit card networks in the world.
We kick off our Decoding: Banks series with a look at the banking landscape today and how we got here.

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...

