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

Article
-
No items found.

The Goldilocks challenge of targeted support

4min read
Article
-
Homebuying

We've been talking about homebuying forever, so why is it still broken?

Financial services should be designing products and services that help buyers understand all of the costs involved in their end-to-end financial journey before committing.

3min read
Article
-
No items found.

Positive friction: Why a little resistance helps

For the past decade, the banking industry has been focused on developing frictionless interfaces. Financial institutions have prioritised seamless transactions, instant gratification, and engaging gamified features in a bid to build the ultimate digital financial experience.

4min read
Article
-
No items found.

Targeted support is coming. But customer decision-making has already moved on.

The need for better, tailored support through the customer experience is clear, but few are accounting for the fundamental shift that financial services has experienced with the introduction of AI.

4min read
Article
-
No items found.

Lucky number 6. You named us Consultancy of the Year...again!

“It’s clear they’re not slowing down in transforming the financial landscape.” Those were the words of Jacqueline Dewey, CEO of Smart Money People, speaking about 11:FS after we claimed our fifth...

4min read
Article
-
No items found.

Premium banking: Where UX makes-or-breaks value

4min read
Article
-
No items found.

Monzo retains top spot in UK banks and challengers ranking with perfect score

The UK’s largest digital bank once again beat RBS and NatWest to the top spot in 11:FS Pulse's best of UK banking chart.

3min read
Article
-
No items found.

In Saudi fintech, every transaction can be a path to financial growth

As the Saudi fintech market matures, a new challenge is emerging. Most fintech interactions, whether payments, BNPL, or other services, remain fundamentally transactional.

3min read
Article
-
No items found.

The end of ‘Apply Now’: Credit becomes invisible and immediate

When a customer reaches checkout today, they may get a choice to pay now, split the cost, or move it into credit. That is a very different starting point from the old model of applying for credit in advance.

3min read
Article
-
No items found.

Financial services must move beyond inertia to cultivate long-term loyalty

Loyalty is defined as “a strong feeling of support or allegiance”. However, in the context of financial services, it is more accurately defined as engineered persistence: a series of subconscious cues that steer customers toward familiar choices.

4min read
Article
-
No items found.

Phishing-proof by design: The future of banking authentication

For years, banks have relied on OTPs as a second factor for logins and sensitive actions. Sent via SMS, these short codes were designed to add security on top of a password. But they have become one of the weakest and most frustrating parts of the banking experience.

5min read
Article
-
No items found.

Designing for the human behind the business

The people using business banking tools don’t necessarily have financial backgrounds. Many smaller businesses can't afford a dedicated finance team. Yet banks keep building products that assume expertise their customers don't have, leaving them to figure things out on their own.

3min read
Article
-
No items found.

The rise of subscription banking and why it needs to fit into customers' lives

As our financial lives become more complex, there is a growing expectation for banks to offer more support, be more relevant, and generate greater everyday value. One of the clearest places this shift is starting to show up is in subscription banking.

5min read
Article
-
No items found.

Reimagining payments: Why the UK needs a new chapter for A2A innovation

The UK is currently facing a rare opportunity in the world of payments. After years of debate about the future of the country’s payments ecosystem, government and regulators are now moving from discussion to delivery, with work underway to implement the National Payments Vision for world-leading payments delivered on next-generation technology.


4min read
Article
-
No items found.

Banks must become active partners in financial wellbeing

Around the world, people have instant, around-the-clock access to banking apps and their own financial data. So why do so many people still feel uncertain about their financial future? 

5min read
1026
podcast
-
Fintech Insider

1026: Insights: Our fintech predictions for 2026

In this episode, the team is kicking things off with bold predictions for the year ahead, some you might have seen coming and some that might surprise you. They stake their reputations, embrace a bit of friendly ribbing, and share their most daring forecasts for the future of fintech.

64min listen
1025
podcast
-
Fintech Insider

1025: News: GoCardless CEO lifts the lid on the Mollie deal as Monzo targets Revolut’s dominance in Ireland

On this week’s final news show of the year, we hear from GoCardless about their exciting acquisition by Mollie. It’s been a big week for Monzo, which has secured an Irish banking licence and acquired UK mortgage brand Habito. We also take a look at Orange Payments and Visa’s new partnership.

53min listen
1024
podcast
-
Fintech Insider

1024: Insights: The moments that made fintech in 2025

Join our hosts as they break down the year’s most memorable moments. From the fintech feel-good story of the year and the buzziest new term, to the partnership that caught everyone off guard and the glow-up that wowed the industry - we cover it all.

53min listen
1022
podcast
-
Fintech Insider

1022. Insights: How small and medium-sized businesses win with embedded finance

Banks aren’t just building apps anymore - they’re building digital CFOs. Join Kate Moody in this episode of Fintech Insider as she explores how SMB banking is evolving from simple dashboards to intelligent financial guidance.

38min listen
1021
podcast
-
Fintech Insider

1021: News: Revolut takes on phone snatchers - and banks still need to take sustainability seriously

Host David Barton-Grimley, Fintech Strategy Director and Head of Product at 11:FS, is joined by a fantastic panel of guests as we dive into some of the biggest stories from the worlds of fintech, banking, and wider financial services this week.

66min listen
1020
podcast
-
Fintech Insider

1020: Insights: How ready are you for stablecoin regulation?

With the US GENIUS Act reshaping digital-asset oversight, the EU’s MiCA rules setting a unified standard, and the UK opening the door for stablecoins as an official form of payment, one thing is clear: stablecoins are going mainstream, fast.

45min listen
1019
podcast
-
Fintech Insider

1019: News: Bank it like Beckham, Klarna’s stablecoin pivot, and Chase taps in on the Tube

Host Ross Gallagher, Head of Consulting is joined by a fantastic panel of guests as we dive into some of the biggest stories from the worlds of fintech, banking, and wider financial services this week.

63min listen
1018
podcast
-
Fintech Insider

1018: Insights: What it's actually like to build a fintech in the Middle East

In this special episode David M. Brear digs into what it really takes to succeed as a fintech startup in the Middle East alongside some special guests.

56min listen
1017
podcast
-
Fintech Insider

1017: News -After Dark: Long live the high street bank! Revolut checks in with Booking.com, and Visa trials stablecoin payouts

Our expert host, David M. Brear, and co-host, Kate Moody, present Fintech Insider News live from Village Underground in London, joined by some fantastic guests to discuss the biggest fintech and financial services stories of the week.

58min listen
1016
podcast
-
Fintech Insider

1016: Is agentic commerce the future of payments? Live from Paris with J.P. Morgan

Live from Paris, David M. Brear steps into the heart of payments transformation - a shift that’s unfolding far beyond the checkout screen and deep within the financial stack.

53min listen
1015
podcast
-
Fintech Insider

1015: News: PayPal launches BNPL in Canada, Coinbase expands into current accounts - and financial education hits the classroom

Host Laura Watkins, Director of Media and Marketing, is joined by a fantastic panel of guests as we dive into some of the biggest stories from the worlds of fintech, banking, and wider financial services this week.

72min listen
1013
Video
-
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
Video
-
Inclusive design

What is inclusive design? 11:FS Explores

6min watch
Video
-
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
Video
-
Decoding

How does banking regulation work? - Decoding: Banks

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

12min watch
Video
-
Decoding

How has software evolution influenced banking? - Decoding: Banks

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

11min watch
Video
-
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
-
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
-
Decoding

How do card networks operate? - Decoding: Banks

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

13min watch
Video
-
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
-
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
-
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
-
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
-
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
-
fintech Insider

Insights: The future of Revolut with UKCEO Francesca Carlesi

1h2 listen