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

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How digital payouts offer a competitive edge to insurers

In the highly competitive insurance sector, customer experience is a critical differentiator. While insurers focus on policy features and premiums, the claims payout process is often overlooked, creating a significant point of friction.

3min read
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11:FS Pulse

Feature benchmarking: How UK banking apps stack up

Recap the biggest live show Fintech Insider: After Dark has ever done below. Listen back here or stream below as Jason, Simon and a panel of special guests tackle some of the biggest and silliest stories of the week.

3min read
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Lloyds

How Lloyds is putting more money in customers’ pockets by tackling £23bn in unclaimed benefits

Loyalty is broken. ‘We appreciate your loyalty’ greetings don’t fool anyone. Most of us can recall crappy experiences.

6min read
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We won Consultancy of the Year 2025!

The U.S. Treasury and the Office of the Comptroller of the Currency (OCC) both hit the headlines with fintech-related announcements. Treasury released a 222-page report on the subject of Nonbank Financials, Fintech, and Innovation, while the OCC almost immediately followed with the news that it would finally begin accepting National Bank Charter applications from fintechs, in line with Treasury recommendations.

3min read
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Execution is everything: Why speed x quality wins the day

How do I create the 5 year plan for 8 software releases a day? This is one of my favourite lines from an old school bank executive. It happened live on stage in front of 500 people when I made the point that challenger banks are now operating at 8 releases per day. It might seem nerdy, but why does it matter how often banks release new software?

5min read
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How building societies can own the homebuying space

Looking to crypto and seeing it simply as a speculative asset class is a common mistake for financial institutions and even regulators. But if you start to look beyond the headlines, you can see there’s untapped potential for banks to better serve the SMB market.

5min read
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11:FS Pulse

Designing for junior accounts: Best UX practices in the UK

Although they date back to 2014, in 2017 we saw the rapid rise of ‘crypto funds’, or investment funds that invest mainly in cryptocurrencies such as bitcoin, ethereum, or other ‘altcoins’. Those offering crypto funds are, in effect, managing digital assets. But what’s the difference between ‘managing digital assets’ and ‘managing assets digitally’? Many asset managers have digitized some analogue processes, but very few asset managers are truly digital in nature. What lessons can we learn from the first few years of those that manage digital assets such as crypto funds?, and how can the end investor benefit?

3min read
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Subscription trends to watch in 2025

The FCA have just published their feedback to the Call For Input (CFI) on open finance. Over 160 organisations responded to the call, the results of which are being watched by financial bodies, regulators and companies the world over.

6min read
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Are you selling or partnering with banks?

The fintech ecosystem is currently going through an exciting phase. Startups that were once considered young and immature like Monzo, Revolut, or Airwallex have grown into established financial companies. At the same time, incumbent banks are getting better at engaging and investing in fintech. The two worlds are converging and sparking new opportunities for partnerships.

6min read
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UX

Introducing the new Brand Page on 11:FS Pulse

Bonjour! Comment allez-vous? France’s fintech star is rising. With over 1100 of them based in the capital alone, junior minister Cédric O has promised that Paris will eclipse London as the fintech hotspot in Europe in the near-distant future.

3min read
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11:FS Pulse

VR & AR: Transforming the Fintech Landscape

Asking the wrong questions will only ever lead to the wrong solutions. That’s why we lean into Jobs to be Done at 11:FS. It’s based on the notion that there’s no use in asking what the customer wants, because they don’t actually know. This is taken from our Unfiltered newsletter. Subscribe now for a no BS, uncensored analysis of fintech news and hot topics delivered to your inbox each fortnight.

4min read
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Wealth management

The forever banks - how private banks are still unfazed by disruption

11:FS has come a long way in a short time, and as the company has grown up, so must the branding. It's time to sit down, take stock of how we look and sound and fine-tune our identity.

5min read
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5 fintechs to watch in the Middle East

The financial services sector in the Middle East has seen a surge in both innovation and investment in recent years, showing signs that 2024 will be a big year for its fintech scene. But what brands do you need to watch out for?

3min read
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Unfiltered

The future of AI in finance doesn't look like ChatGPT

We were lucky enough to catch up with Ben Metz, Head of Digital at Jack Henry. Here, he predicts who’ll come out on top in the banking war: the traditional players or the challengers, and what will decide who wins and loses.

3min 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
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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
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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
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
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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.
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