Digital Banking is only 1% finished.

Financial Services is undergoing massive disruption: digital banks, open APIs, blockchain platforms, AI and robo-advice. Everything will change, and it's only just started.

We are an all-star team that helps banking execs deliver organisational change and next generation products and services.

Separately, we have created digital banks, transformed traditional players, started accelerators and built on the blockchain; together there is no better fintech team in the world.
Let's do something amazing!


You can’t compete with what you can’t see.

We deliver a comprehensive benchmarking portal and bespoke research, so that you can see what’s out there and “borrow” from the best



We supplement your teams with real operators.

From strategic direction and project kick-off to driving fast and effective digital programmes. We always deliver



Winter is coming! New waves of digital change that all banks must start preparing for.

We are your advance scouts to APIs, blockchain investment and fintech partnerships



We've pulled together the best of digital banking and FinTech talent: a group who have transformed banks, and built them from scratch. Together we deliver much more for our clients: creative solutions, rapid execution, and true credibility.

David M. Brear

David is the CEO and co-founder of 11:FS.
Voted one of the most influential people in Banking, Insurance and Fintech, David has delivered large digital transformations for Lloyds Banking Group and Aviva. He most recently ran the Global Digital Banking practice for Gartner.

Jason Bates

Jason co-founded 2 challenger banks in the UK (Starling and Monzo). As CCO he built the proposition, the product team, and defended the regulatory application. Prior to that he was CEO of a digital transformation company where he consulted for Google, taught at Facebook, and separated billion pound companies.

Simon Taylor

Simon is co founder at 11:FS. As blockchain lead, Simon established Barclays as one of the leaders in Blockchain thinking and doing. Simon also helped a variety of startups flourish, through Barclays Tech Stars accelerator.

Chris Skinner

Chris is the Advisor to Special Projects at 11:FS as well as being the Lead Partner in the Banking on Blockchain fund with Life.SREDA. Chris is a regular commentator on BBC News, Sky News and Bloomberg about banking issues., and the best selling author of both "The Digital Bank" and his most recent book, released in 2016, "Value Web".

Ross Methven

Ross is Practice Lead and Director of Research and Benchmarking, as well as a Co Founder, at 11:FS. Ross has been providing outstanding digital banking research and consultancy services for over 15 years. He has designed and delivered research programmes for a diverse range of clients all over the globe, examining the digital banking ecosystem from all angles.

Meaghan Johnson

Meaghan is Director of Research and Co Founder, at 11:FS. Having provided competitor intelligence and benchmarking research for dozens of global financial institutions over the past five years, she lives and breathes what banks, disruptors and FinTech vendors are currently offering and how they can be improved.

Tom Evans

Tom is Director of User Experience at 11:FS. An award-winning User Centered Design professional with 16+ years’ commercial experience. Toms experience covers the full range of iterative UX and requirements gathering disciplines from analyst and technical consulting roles in market research and software industries, through to UI/Interaction design, front-end development.

Thomas Labenbacher

Thomas is the Managing Director of the new blockchain-focused fund. A serial Financial Services entrepreneur and business angel. He has worked as an executive at Fidor Bank & co-founded their international business, was retail board member of the Western Union Bank, run the Raiffeisenbank International Transaction Service Division
Talk to us


Want to talk about a specific project you need help with? Do you have an event you’d like us to talk at? Or would you just like a chat about what’s happening in Banking, Insurance, Payments or FinTech? Feel free to get in touch via one of the methods below.


The 11:FS team have built, transformed, and benchmarked digital banks across the globe. This is where we reflect and share the best of what we learn.

July 6, 2016

How will Brexit impact banks and FinTech in the UK?

It may not have escaped your attention that the British Public voted to leave the EU. Although in the aftermath it’s still unclear quite what that actually means, this morning bank shares have taken a significant hit with Lloyds off 8%, Barclays 10% and RBS down 15% leading the LSE to halt trading in those stocks.

There are a number of theories about what happens next. Are people concerned about retail banking operations, corporate banking, investment banking or all of the above? Here are some ideas.

June 19, 2016

BaaP Part 1 – Exploring Banking as a Platform (BaaP) Model

The opportunity to change the way we deliver financial services is changing as new channels, products and partnerships are being explored. Banking as a Platform (BaaP) is one of the alternatives.

By me, David M. Brear, CEO and Co Founder at 11:FS and Pascal Bouvier, Venture Partner at Santander InnoVentures

June 21, 2016

The Rebundling of UK Financial Services

This post appeared first in The Times and Raconteur in the UK in June 2016.

Until the financial crisis banks had enjoyed decades of growth unencumbered by the disruption seen in the newspaper, telecommunications and music industries.

During the good years banks’ profits soared and, while they embraced customer-facing internet and mobile apps, the foundations, processes and technology on which banks are built, despite billions spent on technology, would look familiar to those who worked there in the 1970s.

UK banks now face the perfect storm of significant technological advancements plus a regulator and government that want to foster innovation, and an ever-growing disillusionment of banking customers to banks’ offerings.

June 19, 2016

Jurassic Bank – Why banks will have to go the way of the dinosaurs

65 million years ago, gigantic monster roamed the same places where today Starbucks and Costa Coffees are. Having dragged themselves out of the primordial goo and evolved themselves to the top of the food chain, the Dinosaurs were oversized in their appetites, attitudes and on top of the world.

What can the monsters of today learn from the monsters of the past to avoid the extinction events that wiped out the dinosaurs? Let us explore, with Jurassic Park puns and quotes aplenty… hold on to your butts.