Unfiltered

Article — Payments

New neobanks need to take bolder bets

Do you remember where you were when you first spotted that hot coral card in the queue at a coffee shop? For me, it was early 2016. A short while after they’d c...

3min read

Article

Stop mistaking clever features for intelligent services

One of the biggest challenges when building new digital financial services is creating a winning feature set. Spending categorisation, budgeting tools, carbon f...

4min read

Article — Business banking

Forget agile, ethics is the new battleground

3min read

Article

Want to build better customer solutions? Ask better questions

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 n...

3min read

Article

Gamification isn’t always the easy path to engaging products

There have always been everyday tasks that seem complex, boring or too disinteresting for us to give them our full attention. Whether that’s as simple as ironin...

5min read

Article — Retail banking

Lending in Africa: The Good, the Bad and the Ugly

5min read

Article — Payments

Senior people need to understand technology

It's a truism that the hardest job in engineering is that of 'Tech Lead'. You're the person who's not only writing code, but simultaneously leading a small grou...

5min read

Article

My 11 lessons after 5 years as 11:FS CEO

The 5th of April 2021 signified 5 years since we started 11:FS. 5 years since we were all stupid enough to quit well paid jobs to start a business with no capit...

6min read