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

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SMBs

Jobs to be Done: The gaps in US SMB financial services

David M. Brear interviewed Jonathan Larsen, CIO, Ping An and CEO of their Global Voyager Fund, a $1bn investment fund, specifically for fintech. He tells David all about the fund and the innovations in fintech coming from China and making a huge impact worldwide.

5min read
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Experience

Zooming out: 11 learnings from a decade in fintech

Guest author Richard Davies shares his reflections as he transitions from his role as Revolut’s COO to Non Exec at Revolut, and CEO of Allica Bank. As fuel for the future he looks at his learnings from Revolut as well as his wider experiences and inspirations over the last decade in financial services and fintech.

5min read
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Town hall 27th July 2020: Business update from David

Good working culture is impossible without motivation. Therefore, it is essential to follow a model of organisation design that supports the conditions in which motivation can be maximised.

5min read
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Engineering

An introduction to engineering in 11:FS Consulting

At 11:FS, we build digital financial services, primarily banks. ‘Bank’ is a very broad term, of course, and our focus on client needs and ‘Jobs To Be Done’ approach (“People don’t want a mortgage, they want to buy a house”), means that we rarely set out to build a pure bank.

5min read
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11:FS

My productivity hack: self-reflection and setting priorities

The research on retail payments that I have done over the past couple of months had me thinking about my own payments journey and left me wondering how my own behaviour has evolved and what drove me to make such payments?

5min read
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COVID-19

Is the COVID-19 crisis creating fintech M&A opportunities?

How can community banks remain competitive as large financial institutions gobble up more and more of the market?

5min read
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Four years

11:FS turns 4

It’s the 5th of April and that means one thing to us at 11:FS and that is that it’s our birthday! Four years old. Damn. And what a strange time to be in celebrating everything we’ve achieved with everything that’s going on.

5min read
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How messaging is helping banks reconnect with their customers

There’s been no shortage of attention paid to the emergence of fintech in the Middle East recently. In fact, we wrote about the ‘perfect storm’ that was brewing in the region and recently gave an overview of the digital challengers emerging to meet these needs.

5min read
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Banking

How are consumer lenders responding to the coronavirus pandemic?

Until 2018 Australia hadn’t had a new, homegrown bank for decades. The Australian banking industry had been dominated by four huge banks who, facing no competition, rested on their laurels.

5min read
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11:FS

11:FS Pulse: wrapped

We’ve sifted through the data to find out what 11:FS Pulse users have been loving and where their focus has been for the last 12 months.

5min read
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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
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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
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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
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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
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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
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Fintech Insider

453. News: Can F2 solve Facebook’s problems & will Amex buy Kabbage?

Sam Maule and Sarah Kocianski are joined by some great guests to talk about some of the most interesting stories of the last 7 days in US financial services and beyond including: Facebook rolls out its Facebook Financial Initiative; AmEx in talks to buy Kabbage and Robinhood blows past rivals in day trades, and much much more!

1h01 listen
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Fintech Insider

452. Insights: Banking as a Service - the tech behind fintech

Simon Taylor is joined by some great guests from two of the biggest banking as a service providers from both sides of the Atlantic, GPS and Galileo, to lift the lid on this industry niche that's blowing up right now

53min listen
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Insurtech Insider

72. E-scooters: should you need a licence to ride?

Sarah and Nigel are joined by a panel of guests to talk through hotly contested e-scooters and e-scooter insurance! All this and much much more on today's Insurtech Insider!

47min listen
451
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Fintech Insider

451. News: Varo Money gets their charter & Google Pay's new banking partners

Ross Gallagher and Simon Taylor are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Varo Money get their full national charter; Google teams up with 8 US banks to offer digital bank accounts by 2021 and Wirecard processed payments for the mafia.

1h07 listen
450
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Fintech Insider

450. Insights: The rise of Australian digital banking

Simon Taylor is joined by some great guests to talk about the growth and impact of digital banking in the APAC region, with a special focus on Australia.

41min listen
449
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Fintech Insider

449. News: Can fintech fast track our economic recovery?

Simon Taylor and Sarah Kocianski are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: The UK's Fintech industry is "firing on all cylinders" as big banks’ profits fall; we look at why investing is booming despite the pandemic; and JPMorgan Chase partner with Marqeta to offer virtual cards.

1h08 listen
448
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Fintech Insider

448. Insights: Do we still need bank branches?

Simon Taylor is joined by some great guests to talk about the future of bank branches. Will they open up after the pandemic? Do we still need them or have we seen the last of the bank branch?

59min listen
71
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Insurtech Insider

71. News: Insurance acquisitions and casualties

Sarah Kocianski and Nigel Walsh are joined by a panel of guests to talk through the latest news in the insurtech and insurance world!

1h02 listen
447
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Fintech Insider

447. News: Can finance ever be fully democratised?

Simon Taylor and Ross Gallagher are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Robinhood abandons its UK launch amid criticism of their platform; Klarna reins in their lockdown lending and Monzo re-launch their Plus product.

1h06 listen
445
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Fintech Insider

445. News: Winners and losers in US banks’ results; SoFi’s charter and Marqeta’s IPO

Sam Maule and Jason Bates are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: the US bank results are in and we analyse the fall out; Marqeta eyes an IPO as SoFi applies for a fintech charter and your weekly wacky Wirecard roundup.

1h03 listen
444
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Fintech Insider

444. Insights: African fintechs: transforming the continent's financial landscape

Simon Taylor is joined by some great guests to discuss how the financial landscape of Africa is changing and the ways in which fintechs are playing their part.

52min listen
70
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Insurtech Insider

70. LGBT+ and insurance - Make no assumptions

Sarah Kocianski and Nigel Walsh are joined by a panel of guests to talk through LGBT+ and insurance. What is the state of diversity and inclusion in the industry and what specific products is there available for the LGBT+ community? All this and much much more on today's Insurtech Insider!

48min listen
443
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Fintech Insider

443. News: Square’s $55bn valuation - a wakeup call for big banks?

TITLE: NEWS / INSIGHTS Simon Tayor and Jason Bates are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: Square's new valuation; 16 EU banks team up to take on Visa and Mastercard and we keep ypu updated with the new unravellings in the Wirecard story.

1h04 listen
442
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Fintech Insider

442. Insights: Are fintech hubs dead?

Simon Taylor is joined by some great (and very international) guests to talk about the future of fintech hubs. Do we need them? Is location no longer important post-pandemic?

51min listen
441
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Fintech Insider

441. News: Wirecard hits UK fintech but BaaS is still booming

Simon Taylor and David Brear are joined by some great guests to talk about some of the most interesting stories of the last 7 days, including: the Wirecard scandal continues to unfold and UK fintechs get swept up in its wake, and we speak to some of the companies directly affected, Chime launch a credit card, and Galileo offers everyone the chance to launch a credit card.

1h04 listen
Video
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Inclusive design

What is inclusive design? 11:FS Explores

6min watch
Video
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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
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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
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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
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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
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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
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11:FS Explores: Legacy banking systems ft. David M. Brear

David M. Brear, our 11:FS CEO, takes us through legacy technology within banks - but of course, with a really cool Lightboard.

7min watch
Two portraits of smiling individuals on a dark background with abstract green lines, suggesting a modern and professional theme.
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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.
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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.
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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

1h2 listen